Total Assets
$327M
Total balance-sheet footings
FDIC Cert #9420 · Beulah, North Dakota · Est. 1899
The Union Bank - FDIC Bank Health Profile
A community-scale look at The Union Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $327M
- Total assets
- C
- Health grade · Fair
- 1.03%
- Return on assets
- 9.4%
- Tier 1 capital
Data updated July 2026
The verdict
The Union Bank earns a PlainBankData health grade of C (62/100), with 9.43% Tier 1 capital, profitable at 1.03% ROA, 65% efficiency ratio.
- #2,371
- largest of 4,313 FDIC banks by assets
- 45th
- percentile by asset size, nationally
- 9.43%
- Tier 1 ratio - below the 10% well-capitalized line
- 45th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How The Union Bank's 62/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
The Union Bank's composite health score
Tier 1 Capital Ratio (9.43%) 18/40
Return on Assets (ROA) (1.03%) 20/25
Texas Ratio (11.40%) 16/20
Efficiency Ratio (65.15%) 8/15
62 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$277M
Customer-funded liabilities
Net Loans
$202M
Outstanding loan book
Net Income
$3M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The Union Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Union Bank's score of 62/100 falls in the highlighted band.
The Union Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). The Union Bank's $327M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
9.43% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.43%
Texas Ratio
11.40%
Equity Capital
$29M
Profitability metrics
Return on Assets (ROA)
45th percentile nationally
1.03%
Return on Equity (ROE)
11.84%
Efficiency Ratio
65.15%
What the numbers say about The Union Bank
The Union Bank is an FDIC-insured institution (Certificate #9420) headquartered in Beulah, North Dakota, established in 1899. It holds $327M in total assets - 2,371st of 4,313 FDIC-insured banks, $277M in customer deposits, and $202M in net loans. Looking at capital strength, Tier 1 stands at 9.43%, under the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 11.40%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of C (62/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within North Dakota, The Union Bank ranks 29th of 61 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$18M
Interest Income
$613K
Non-Interest Income
$9M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The Union Bank reports a Texas Ratio of 11.40% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
11.40% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in North Dakota by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Union Bank (FDIC Cert #9420) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in North Dakota
All North Dakota banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Bell BankFargo | $14.4B | C | 0.59% |
| First International Bank & TrustWatford City | $6.2B | B | 1.69% |
| Choice Financial GroupFargo | $6.0B | B | 1.22% |
| Alerus Financial, National AssociationGrand Forks | $5.2B | C | 0.42% |
| Gate City BankFargo | $4.0B | D | 0.60% |
| Bravera BankDickinson | $3.8B | B | 1.12% |
| Western State BankDevils Lake | $2.6B | A | 1.79% |
| First Western Bank & TrustMinot | $2.3B | C | 0.84% |
Frequently asked questions
What is The Union Bank's health grade?▼
The Union Bank receives a health grade of C (62/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is The Union Bank?▼
The Union Bank holds $327M in total assets and $277M in deposits, ranking 2,371st of 4,313 FDIC-insured banks by asset size. It is headquartered in Beulah, North Dakota.
Is my money safe at The Union Bank?▼
Yes, deposits at The Union Bank (Certificate #9420) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The Union Bank's Tier 1 Capital Ratio?▼
The Union Bank has a Tier 1 Capital Ratio of 9.43%. The federal "well-capitalized" threshold is 10%. This bank meets the minimum 6% "adequately capitalized" standard.
What is the Texas Ratio for The Union Bank?▼
The Union Bank has a Texas Ratio of 11.40%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is The Union Bank?▼
The Union Bank has an Efficiency Ratio of 65.15%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read The Union Bank's profile as a depositor or analyst.
- The Union Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The Union Bank against other North Dakota banks before moving funds. North Dakota banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.