Total Assets
$52M
Total balance-sheet footings
FDIC Cert #15326 · West Mansfield, Ohio · Est. 1928
The Union Banking Company - FDIC Bank Health Profile
A community-scale look at The Union Banking Company's own numbers, pulled straight from its quarterly FDIC Call Report.
- $52M
- Total assets
- B
- Health grade · Good
- 0.20%
- Return on assets
- 37.2%
- Tier 1 capital
Data updated July 2026
The verdict
The Union Banking Company earns a PlainBankData health grade of B (67/100), with well-capitalized at 37.22% Tier 1, 0.20% ROA, 89% efficiency ratio.
- #4,125
- largest of 4,313 FDIC banks by assets
- 4th
- percentile by asset size, nationally
- 37.22%
- Tier 1 ratio - above the 10% well-capitalized line
- 8th
- 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 Banking Company's 67/100 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 Banking Company's composite health score
Tier 1 Capital Ratio (37.22%) 40/40
Return on Assets (ROA) (0.20%) 7/25
Texas Ratio (3.90%) 20/20
Efficiency Ratio (89.47%) 0/15
67 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$42M
Customer-funded liabilities
Net Loans
$7M
Outstanding loan book
Net Income
$100K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The Union Banking Company ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Union Banking Company's score of 67/100 falls in the highlighted band.
The Union Banking Company'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 Banking Company's $52M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
37.22% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
37.22%
Texas Ratio
3.90%
Equity Capital
$1M
Profitability metrics
Return on Assets (ROA)
8th percentile nationally
0.20%
Return on Equity (ROE)
18.55%
Efficiency Ratio
89.47%
What the numbers say about The Union Banking Company
The Union Banking Company is an FDIC-insured institution (Certificate #15326) headquartered in West Mansfield, Ohio, established in 1928. It holds $52M in total assets - 4,125th of 4,313 FDIC-insured banks, $42M in customer deposits, and $7M in net loans. On safety, its Tier 1 capital ratio of 37.22% is above the 10% well-capitalized threshold, and its Texas Ratio of 3.90% sits in the healthy range below 50%. It earns a PlainBankData health grade of B (67/100), 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.
By assets, The Union Banking Company ranks 149th of 158 banks based in Ohio -- squarely in the community-bank tier. Size alone doesn't determine a bank's local importance; a bank this size often has deeper, longer-standing relationships with the specific businesses and depositors it serves than a much larger institution would.
Income & expense breakdown
$2M
Interest Income
$68K
Non-Interest Income
$850K
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The Union Banking Company reports a Texas Ratio of 3.90% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
3.90% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Ohio by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Union Banking Company (FDIC Cert #15326) - 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 Ohio
All Ohio banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| JPMorgan Chase Bank, National AssociationColumbus | $3.75T | A | 1.34% |
| U.S. Bank National AssociationCincinnati | $676.1B | A | 1.18% |
| The Huntington National BankColumbus | $224.0B | A | 1.20% |
| Fifth Third Bank, National AssociationCincinnati | $213.7B | A | 1.34% |
| KeyBank National AssociationCleveland | $181.7B | A | 1.17% |
| First Financial BankCincinnati | $21.0B | A | 1.53% |
| Third Federal Savings and Loan Association of ClevelandCleveland | $17.5B | A | 0.51% |
| The Park National BankNewark | $9.7B | A | 1.90% |
Frequently asked questions
What is The Union Banking Company's health grade?▼
The Union Banking Company receives a health grade of B (67/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is The Union Banking Company?▼
The Union Banking Company holds $52M in total assets and $42M in deposits, ranking 4,125th of 4,313 FDIC-insured banks by asset size. It is headquartered in West Mansfield, Ohio.
Is my money safe at The Union Banking Company?▼
Yes, deposits at The Union Banking Company (Certificate #15326) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The Union Banking Company's Tier 1 Capital Ratio?▼
The Union Banking Company has a Tier 1 Capital Ratio of 37.22%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for The Union Banking Company?▼
The Union Banking Company has a Texas Ratio of 3.90%. 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 Banking Company?▼
The Union Banking Company has an Efficiency Ratio of 89.47%. 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 Banking Company's profile as a depositor or analyst.
- The Union Banking Company's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The Union Banking Company against other Ohio banks before moving funds. Ohio 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.