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Unb Bank
Mount Carmel, PA · FDIC Certificate #7631 · Chartered 01/0
Total assets
$167.33M
Total deposits
$156.36M
Total equity
$10.01M
Net loans
$89.49M
Branches (offices)
2
Net income (YTD)
$114.00K
Rank: #3,184 of 4,213 U.S. banks by assets · #97 of 109 in Pennsylvania. Assets changed -1.6% and deposits -2.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.14% |
| Return on equity | 2.26% |
| Net interest margin (YTD) | 2.67% |
| Equity to assets | 5.98% |
| Tier 1 leverage ratio | 9.33% |
| Uninsured deposits (share of deposits) | 9.8% |
| Noncurrent loans (share of loans) | 0.12% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 57.2% |
| Real estate loans (share of loans) | 92.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $82.73M | 92.4% | |
| Commercial & industrial | $4.09M | 4.6% | |
| Consumer / individual | $1.41M | 1.6% | |
| Construction & development | $419.00K | 0.5% | |
| Agricultural | $1.27M | 1.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $168.10M | $157.99M | $113.00K | $8.42M |
| Jun 2023 | $159.53M | $150.57M | $155.00K | $7.94M |
| Jun 2024 | $163.81M | $154.36M | $65.00K | $8.42M |
| Jun 2025 | $170.07M | $160.03M | $79.00K | $9.06M |
| Jun 2026 | $167.33M | $156.36M | $114.00K | $10.01M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Pennsylvania | $156.36M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $156.36M.
Similar-sized banks
The First National Bank Of Eagle Lake ($167.65M) · Farmers State Bank Of Western Illinois ($167.28M)
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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