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The Union Bank Company
Columbus Grove, OH · FDIC Certificate #12969 · Chartered 11/2
Total assets
$1.44B
Total deposits
$1.19B
Total equity
$151.41M
Net loans
$854.50M
Branches (offices)
15
Net income (YTD)
$5.88M
Rank: #767 of 4,213 U.S. banks by assets · #25 of 155 in Ohio. Assets changed 20.8% and deposits 10.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.92% |
| Return on equity | 8.93% |
| Net interest margin (YTD) | 4.05% |
| Equity to assets | 10.49% |
| Tier 1 leverage ratio | 10.78% |
| Uninsured deposits (share of deposits) | 28.2% |
| Noncurrent loans (share of loans) | 0.12% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 71.7% |
| Real estate loans (share of loans) | 87.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $746.23M | 87.3% | |
| Commercial & industrial | $59.93M | 7.0% | |
| Consumer / individual | $42.72M | 5.0% | |
| Construction & development | $82.13M | 9.6% | |
| Agricultural | $10.41M | 1.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.11B | $1.00B | $5.17M | $102.38M |
| Jun 2023 | $1.09B | $979.98M | $4.69M | $102.50M |
| Jun 2024 | $1.14B | $1.03B | $3.91M | $103.90M |
| Jun 2025 | $1.20B | $1.08B | $6.12M | $112.45M |
| Jun 2026 | $1.44B | $1.19B | $5.88M | $151.41M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Ohio | $1.19B | 15 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.19B.
Similar-sized banks
American State Bank ($1.45B) · American Riviera Bank ($1.44B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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