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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Mount Carmel, PA · FDIC certificate #7631
UNB BANK is an FDIC-insured institution based in Mount Carmel, PA (FDIC certificate #7631). In its Q3 2026 Call Report it reported total assets of $164M, total deposits of $155M and net loans of $90M. Its primary federal regulator is FDIC.
Plain-language readout
UNB BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $167M in Q2 2026 and were lowest at $164M in Q3 2026.
Total deposits were highest at $156M in Q2 2026 and lowest at $155M in Q3 2026.
Over the whole period total assets fell 1.3%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $164M | $155M | $90M | -0.25% | -4.38% | 2.74% |
| Q2 2026 | $167M | $156M | $89M | 0.14% | 2.26% | 2.67% |
| Q1 2026 | $166M | $156M | $89M | 0.03% | 0.55% | 2.60% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $3.1M | $3.0M | +$112K | +3.7% |
| Federal funds sold | $5.4M | $3.1M | +$2.3M | +75.0% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $61.4M | $63.6M | -$2.2M | -3.5% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $89.5M | $88.7M | +$755K | +0.9% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $2.0M | $2.0M | -$45K | -2.2% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $5.9M | $6.0M | -$93K | -1.6% |
| Total assets | $167.3M | $166.5M | +$846K | +0.5% |
| Liabilities | ||||
| Total deposits | $156.4M | $155.6M | +$715K | +0.5% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $958K | $930K | +$28K | +3.0% |
| Total liabilities | $157.3M | $156.6M | +$743K | +0.5% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $300K | $300K | $0K | 0.0% |
| Surplus | $1.6M | $1.6M | $0K | 0.0% |
| Retained earnings | $13.6M | $13.6M | +$40K | +0.3% |
| Accumulated other comprehensive income | -$5.5M | -$5.6M | +$63K | +1.1% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $10.0M | $9.9M | +$103K | +1.0% |
| Credit and capital | ||||
| Gross nonperforming assets | $111K | $87K | +$24K | +27.6% |
| Adjusted nonperforming assets | $111K | $87K | +$24K | +27.6% |
| Tangible equity plus allowance | $10.8M | $10.7M | +$98K | +0.9% |
| Texas ratio (gross) | 1.03% | 0.81% | +0.22 pts | See points |
| Texas ratio (adjusted) | 1.03% | 0.81% | +0.22 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 1.03% | 0.81% | +0.22 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 9.33% | 9.29% | +0.04 pts | See points |
| Construction and land loans to total capital | 2.57% | 6.60% | -4.03 pts | See points |
| Commercial real estate to total capital | 42.36% | 49.23% | -6.87 pts | See points |
| Dividend payout, year to date | 52.63% | 0.00% | +52.63 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -44.99% | -45.62% | +0.63 pts | See points |
| Liquidity | ||||
| Core deposits | $149.5M | $149.4M | +$99K | +0.1% |
| Non-core funding | $6.9M | $6.3M | +$616K | +9.8% |
| Loans to core deposits | 60.38% | 59.91% | +0.46 pts | See points |
| Loans to deposits | 57.72% | 57.51% | +0.22 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 36.39% | 36.21% | +0.18 pts | See points |
| Loans pledged, share of loans | 0.00% | 0.00% | 0.00 pts | See points |
| Volatile liabilities | $6.9M | $6.3M | +$616K | +9.8% |
| Earnings | ||||
| Earnings before provision, year to date | $114K | $14K | +$100K | +714.3% |
| Earnings before provision, single quarter | $100K | $14K | +$86K | +614.3% |
| Provision for credit losses, year to date | $0K | $0K | $0K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 4.80% | 4.65% | +0.15 pts | See points |
| Yield on interest-bearing balances due from banks | 2.86% | 3.54% | -0.68 pts | See points |
| Total interest income to average assets | 3.77% | 3.66% | +0.11 pts | See points |
| Cost of interest-bearing transaction accounts | 0.87% | 0.94% | -0.07 pts | See points |
| Cost of savings and money market deposits | 0.14% | 0.14% | -0.00 pts | See points |
| Cost of time deposits | 3.21% | 3.27% | -0.06 pts | See points |
| Total interest expense to average assets | 1.19% | 1.20% | -0.01 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $164M | $155M | $90M | -0.25% | -4.38% | 2.74% |
| 2026-06-30 | $167M | $156M | $89M | 0.14% | 2.26% | 2.67% |
| 2026-03-31 | $166M | $156M | $89M | 0.03% | 0.55% | 2.60% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| PA | $160M | 0.03% | 124 | Continuing · +0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.