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Union Bank

Morrisville, VT · Est. 1891 · Website ↗
B
Trust Grade
Strong
Score: 82/100

Union Bank is a bank based in Morrisville, Vermont, established in 1891, with $1.6 billion in total assets across 21 branches. By Trust Grade it ranks 12th of 12 banks we track in Vermont. Its capital ratio of 5.9% trails most similarly sized banks (2th percentile), versus a Vermont median of 10.2%. It was profitable over the most recent period, with a 0.80% return on assets. No consumer complaints against Union Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$1.6B
$1B–10B institution
Deposits
$1.2B
Branches
21
Capital ratio
5.9%
Bottom 2% of $1B–10B peers · Vermont median 10.2%
Return on assets
0.8%
Bottom 21% of $1B–10B peers · Vermont median 0.75%
Rank in Vermont
#12
of 12 banks

How Union Bank compares to Vermont peers

Capital ratio
Bottom 2% of $1B–10B peers
Union Bank
5.9%
Vermont median
10.2%
Higher capital ratio = stronger financial cushion
Return on assets
Bottom 21% of $1B–10B peers
Union Bank
0.8%
Vermont median
0.8%
Higher ROA = more profitable relative to asset base

How we graded Union Bank

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
82/100
Customer experience
n/a
Overall
B · 82
  • Well-capitalized (5.9% capital ratio)
  • Profitable (ROA 0.80%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for Union Bank over the analysis window. For a smaller institution this is common and counts in its favor.

Branch locations (21)

  • 76 Main St, Littleton, NH 03561
  • 5062 Vt Route 15, Jeffersonville, VT 05464
  • 47 Park St, Stowe, VT 05672
  • 65 Northgate Ave, Morrisville, VT 05661
  • 103 Vermont 15 West, Hardwick, VT 05843
  • 325 Portland St, Saint Johnsbury, VT 05819
  • 183 Depot St, Lyndonville, VT 05851
  • 16 Browns River Rd, Fairfax, VT 05454
  • 263 Dells Rd, Littleton, NH 03561
  • 15 Mapleville Depot, Saint Albans, VT 05478
  • 135 Main St, Lincoln, NH 03251
  • 30 Kimball Ave, South Burlington, VT 05403
  • 1028 Us Route 302, Berlin, VT 05641
  • 2541 White Mountain Hwy Bldg, North Conway, NH 03860
  • 368 Vermont Route 15, Jericho, VT 05465
  • 31 Market St, Williston, VT 05495
  • 5068 Shelburne Rd, Shelburne, VT 05482
  • 120 North South Road, North Conway, NH 03860
  • 20 Main St, Morrisville, VT 05661
  • 364 Railroad Street, Saint Johnsbury, VT 05819
  • 3 State St, Groveton, NH 03582

Are deposits at Union Bank insured?

Yes. Union Bank is an FDIC-insured bank (FDIC certificate #14158). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

Union Bank: frequently asked questions

Is Union Bank a good bank?

Union Bank earns a Bankzia Trust Grade of B (82/100, "Strong"), based on a financial-strength score of 82/100 (it has no CFPB complaints on record). Well-capitalized (5.9% capital ratio); Profitable (ROA 0.80%).

Is Union Bank FDIC-insured?

Yes. Union Bank is a FDIC-insured bank (FDIC certificate #14158). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.

How big is Union Bank?

Union Bank holds $1.6 billion in total assets, ranking 12th of 12 banks we track in Vermont. It operates 21 branches.

Does Union Bank have CFPB complaints?

No CFPB complaints against Union Bank appear in our data over the analysis window, which is typical for a bank of this size.

Similar Banks

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Community National Bank
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Ledyard National Bank
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Passumpsic Savings Bank
bank · Saint Johnsbury, VT · $925M assets
The Bank Of Bennington
bank · Bennington, VT · $650M assets
The National Bank Of Middlebury
bank · Middlebury, VT · $555M assets

Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

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