This institution is no longer active

Operations ceased on July 7, 2017. CRA examination history below reflects the period it was active.

UNION BANK & TRUST COMPANY

OXFORD, NC · Supervised by FDIC

Est. 2006FDIC #58,245RSSD: FDIC-58245

Part ofUNION BANC CORP→ View all charters

Satisfactory Same

Current rating · Exam: November 2011

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.00%

Institution Profile

FDIC BankFind

Address

108 College Street, OXFORD, NC

County

Granville County

Established

April 3, 2006

Total Assets

$320M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

November 1, 2011

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 14 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q2 2017Call Report / FDIC

Total Assets

$320M

Total Deposits

$286M

Net Loans

$243M

Net Income

$-8K

ROA

-0.00%

ROE

-0.05%

Risk-Based Capital

13.25%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 2 exams

1 previous rating locked — dating back to 2008

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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