FDIC Cert #7631 · Mount Carmel, Pennsylvania · Est. 1906

UNB Bank - FDIC Bank Health Profile

This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.

Compiled from official public sources by the publisher.
$169M
Total assets
D
Health grade · Weak
0.14%
Return on assets
9.3%
Tier 1 capital

Data updated July 2026

The verdict

UNB Bank earns a PlainBankData health grade of D (45/100), with 9.29% Tier 1 capital, 0.14% ROA, 95% efficiency ratio.

#3,220
largest of 4,313 FDIC banks by assets
25th
percentile by asset size, nationally
9.29%
Tier 1 ratio - below the 10% well-capitalized line
7th
percentile for profitability (ROA), nationally

A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.

FDIC Call Report plate

Cert 7631 · PA D · 45/100

GRADE-D · BOTTOM-DECILE · PHOTO-FINISH · TIER1-ADEQ · TEXAS-CLEAN · ROA-THIN · SIZE-MID · BOOK-FULL

  • GRADE-D D (45/100)
  • BOTTOM-DECILE #4200/4307
  • PHOTO-FINISH State Savings Bank · MI
  • TIER1-ADEQ 9.3% Tier 1
  • TEXAS-CLEAN 0.6% Texas
  • ROA-THIN 0.14% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Pennsylvania: State Savings Bank, MI (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around UNB Bank

Lowest and highest poles plus nearest scored peers outside Pennsylvania, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100First Tri County Bank · NE ·…45/100Portage Bank · WA · near45/100State Savings Bank · MI · ne…45/100The Blue Grass Valle… · VA ·…45/100UNB Bank · PA · this bank45/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around UNB Bank · July 2026

Call Report read for UNB Bank in a high-failure state

UNB Bank (FDIC Cert #7631) carries a PlainBankData health grade of D at 45/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #4,200 of 4,307. Tier 1 capital prints at 9.29%, missing the 10% well-capitalized line. The Texas Ratio is 0.58%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.14%. Balance-sheet scale is $169M, 3,220th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is State Savings Bank (MI), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around UNB Bank

11 FAILURE resolutions in Pennsylvania since 2000, heavy vs the state corpus

UNB Bank sits in one of the heavier post-2000 FAILURE states (11 resolutions; latest year 2024). The list below is state history from the Failed Bank List, not a claim about UNB Bank's current Call Report.

  • REPUBLIC BANK PHILADELPHIA, PA 2024 → FULTON BANK, NATIONAL ASSOCIATION
  • FIRST CORNERSTONE BANK KING OF PRUSSIA, PA 2016 → FIRST-CITIZENS BANK & TRUST COMPANY
  • VANTAGE POINT BANK HORSHAM, PA 2014 → FIRST CHOICE BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Pennsylvania banks.

How UNB Bank's 45/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10045/100
UNB Bank's composite health score
Tier 1 Capital Ratio (9.29%) 18/40
Return on Assets (ROA) (0.14%) 7/25
Texas Ratio (0.58%) 20/20
Efficiency Ratio (95.42%) 0/15

45 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$169M

Total balance-sheet footings

Total Deposits

$158M

Customer-funded liabilities

Net Loans

$88M

Outstanding loan book

Net Income

$238K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 7.89% 9.29% 10.69%
Basel III capital ratios - UNB Bank

Where UNB Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. UNB Bank's score of 45/100 falls in the highlighted band.

UNB Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

45 2nd percentile higher than 2% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). This entry sits in this band. 50–60: 279 FDIC-insured banks (6%). Above this entry. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. UNB Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

UNB 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). UNB Bank's $169M falls in the highlighted band.

Capital & credit buffers at UNB Bank

Tier 1 capital ratio
Well-capitalized 10%

9.29% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
9.29%
Texas Ratio
0.58%
Equity Capital
$10M

What these ratios mean →

Profitability metrics: UNB Bank

Return on Assets (ROA)
7th percentile nationally
0.14%
Return on Equity (ROE)
2.53%
Efficiency Ratio
95.42%

What these mean →

Income & expense at UNB Bank

$6M
Interest Income
$486K
Non-Interest Income
$4M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. UNB Bank reports a Texas Ratio of 0.58% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.58% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

What to watch at UNB Bank

UNB Bank's grade of D reflects specific pressure points in the FDIC Call Report. Its Tier 1 capital ratio of 9.29% is below the 10% "well-capitalized" benchmark.

Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at UNB Bank up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.

FDIC Failed Bank List → View UNB Bank on FDIC BankFind →

Top banks in Pennsylvania by total assets

Largest banks headquartered in Pennsylvania
  1. 1
    First National Bank of Pennsylvania $50.0B

    Greenville, PA · Grade A

  2. 2
    Fulton Bank $32.0B

    Lancaster, PA · Grade A

  3. 3
    BNY Mellon $31.3B

    Pittsburgh, PA · Grade B

  4. 4
    Customers Bank $24.9B

    Malvern, PA · Grade A

  5. 5
    TriState Capital Bank $23.3B

    Pittsburgh, PA · Grade A

Top 5 banks in Pennsylvania ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($169M here), outside Pennsylvania so the neighborhood is not state containment.

The Peoples National Bank of Checotah $169M · OK Freeport State Bank $169M · MN Big Bend Banks $169M · TX Bank of Whittier $169M · CA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) UNB Bank (FDIC Cert #7631) - 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.

UNB Bank Call Report profile · FDIC Failed Bank List · Pennsylvania FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Pennsylvania

All Pennsylvania banks →
BankAssetsGradeROA
First National Bank of PennsylvaniaGreenville $50.0B A 1.29%
Fulton Bank, National AssociationLancaster $32.0B A 1.33%
BNY Mellon, National AssociationPittsburgh $31.3B B 0.94%
Customers BankMalvern $24.9B A 1.01%
TriState Capital BankPittsburgh $23.3B A 0.78%
Northwest BankWarren $16.8B B 0.92%
Dollar Bank, Federal Savings BankPittsburgh $12.5B B 0.53%
First Commonwealth BankIndiana $12.3B B 1.33%