BlastPoint's Banking Scorecard

Union Bank

$1B-$10B Specialty: Commercial VT FDIC cert 14158

Designations: ✓ Community bank

Morrisville, VT

21 branches across VT · NH

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 4 in VT.
Deposits -0.7% year over year ($1.1B on the books).
Delinquency rate 1.36%.
Return on assets 0.80%.
Efficiency ratio 75.99% vs a 59.73% peer average.
Loan-to-deposit ratio 101.42% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 4 in VT

View $1B-$10B leaderboard (VT) →

Union Bank faces 5 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 32.1% in tier
- ROA 0.59% below tier average
- Net Interest Margin 0.75% below tier average
- Efficiency Ratio 16.26% above tier average
- Delinquency Rate 0.49% above tier average

Get updates when Union Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (VT)	National Avg	Tier Percentile
Total Assets ?	$1.6B +5.3% YoY -4.1% QoQ	-$1.2B	$2.8B -0.6% YoY	$744.2M +4.9% YoY	$6.3B +7.7% YoY	36%
Total Loans ?	$1.1B +0.9% YoY -5.1% QoQ	-$847.6M	$2.0B -0.3% YoY	$538.3M +6.1% YoY	$3.2B +9.4% YoY	38%
Total Deposits ?	$1.1B -0.7% YoY -8.7% QoQ	-$1.2B	$2.3B -0.5% YoY	$606.0M +4.8% YoY	$4.9B +7.3% YoY	23%
Return on Assets ?	0.80% +13.6% YoY +0.1% QoQ	-0.59%	1.39% +17.0% YoY	0.88% +34.8% YoY	1.30% +12.1% YoY	18%
Net Interest Margin ?	3.12% +3.9% YoY +3.3% QoQ	-0.75%	3.87% +6.2% YoY	3.60% +8.7% YoY	3.95% +4.9% YoY	20%
Efficiency Ratio ?	75.99% -0.8% YoY +0.1% QoQ	+16.26%	59.73% -12.6% YoY	75.18% -3.3% YoY	70.05% +2.5% YoY	Bottom 10.7% in tier
Delinquency Rate ?	1.36% -1.5% YoY +19.8% QoQ	+0.49%	0.87% +11.7% YoY	0.71% +15.5% YoY	0.98% +16.3% YoY	20%
Loan-to-Deposit Ratio ?	101.42% +1.6% YoY +4.0% QoQ	+16.39%	85.04% -0.1% YoY	86.19% +1.4% YoY	79.03% +2.3% YoY	Bottom 11.6% in tier
Non-Interest-Bearing Deposit Share ?	20.25% +1.3% YoY +8.3% QoQ	-1.02%	21.27% -1.5% YoY	20.51% +3.2% YoY	21.98% -0.6% YoY	52%
Nonperforming Asset Ratio ?	0.97% -5.6% YoY +18.6% QoQ	+0.30%	0.67% +11.7% YoY	0.60% +14.2% YoY	0.69% +15.8% YoY	22%
Tier 1 Capital Ratio ?	12.81% +9.6% YoY +6.5% QoQ	-2.03%	14.84% -0.4% YoY	14.99% +1.6% YoY	17.09% +0.8% YoY	46%
Non-Interest Income / Assets ?	0.36% +3.7% YoY +132.9% QoQ	-0.17%	0.53% +2.5% YoY	0.33% -3.2% YoY	0.66% +5.2% YoY	63%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (VT)	National Avg	Tier Percentile
Noninterest-Bearing	20.3% +0.3pp YoY +1.5pp QoQ	-1.1pp	21.4%	20.5%	22.2%	52%
Brokered Deposits	4.0% -1.9pp YoY +1.3pp QoQ	-5.5pp	9.5%	6.1%	8.5%	41%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (VT)	National Avg	Tier Percentile
C&I	2.7% -0.4pp YoY +0.1pp QoQ	-11.3pp	14.0%	7.7%	12.5%	9%
CRE	50.1% +0.4pp YoY +3.4pp QoQ	+0.1pp	50.0%	36.8%	41.4%	51%
1-4 Family	44.3% +0.9pp YoY +3.6pp QoQ	+17.9pp	26.4%	53.7%	31.3%	86%
Consumer	0.2% 0.0pp YoY 0.0pp QoQ	-4.5pp	4.7%	2.2%	5.0%	18%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (VT)	National Avg	Tier Percentile
CET1 Ratio	12.8% +1.1pp YoY +0.8pp QoQ	-2.8pp	15.6%	15.8%	19.7%	38%
Leverage Ratio	7.8% +0.5pp YoY +0.4pp QoQ	-3.5pp	11.3%	10.7%	12.6%	2%
Total Capital Ratio	13.7% +1.1pp YoY +0.8pp QoQ	-3.0pp	16.7%	16.8%	20.8%	35%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (VT)	National Avg	Tier Percentile
Full-Time Employees	190 -3 (-1.6%) YoY -4 (-2.1%) QoQ	-124	313	99	482	38%
Assets per Employee ($)	$8.2M +7.0% YoY -2.1% QoQ	-$2.3M	$10.5M	$7.4M	$8.8M	43%
Branch Count	21 0 YoY 0 QoQ	+1	20	8	18	68%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (VT)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY	-0.1pp	0.2%	0.1%	0.4%	40%
Nonaccrual	1.3% 0.0pp YoY +0.2pp QoQ	+0.5pp	0.8%	0.7%	1.0%	82%
Allowance Coverage	0.55x +1.6% YoY -8.6% QoQ	-18.16x	18.71x	2.58x	20.23x	8%
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.0%	0.2%	13%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (VT)	National Avg	Tier Percentile
ROE	12.8% +0.3pp YoY -0.6pp QoQ	+0.2pp	12.6%	9.1%	11.6%	55%
Cost of Funds (YTD)	2.2% -0.1pp YoY +0.1pp QoQ	+0.3pp	1.9%	1.6%	1.7%	72%
Net Income ($, YTD)	$6.4M +20.3% YoY — QoQ	-$12.8M	$19.2M	$3.5M	$40.4M	19%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Liquidity Strain

risk

#117 of 361 • Bottom 32.1% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 101.42%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

361 of 361 Mid-Market banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (7 metrics)

791

Efficiency Ratio

profitability

Value: 75.99%

Peer Median: 59.73%

#791 of 885 Bottom 10.7% in $1B-$10B

783

Loan-to-Deposit Ratio

liquidity

Value: 101.42%

Peer Median: 85.04%

#783 of 885 Bottom 11.6% in $1B-$10B

724

Return on Assets

profitability

Value: 0.80%

Peer Median: 1.39%

#724 of 885 Bottom 18.3% in $1B-$10B

711

Delinquency Rate

credit_quality

Value: 1.36%

Peer Median: 0.87%

#711 of 882 Bottom 19.5% in $1B-$10B

712

Net Interest Margin

profitability

Value: 3.12%

Peer Median: 3.87%

#712 of 885 Bottom 19.7% in $1B-$10B

688

Nonperforming Asset Ratio

credit_quality

Value: 0.97%

Peer Median: 0.67%

#688 of 885 Bottom 22.4% in $1B-$10B

684

Total Deposits

size

Value: $1.10B

Peer Median: $2.32B

#684 of 885 Bottom 22.8% in $1B-$10B