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This institution is no longer active

Operations ceased on November 1, 2013. CRA examination history below reflects the period it was active.

UNION BANK AND TRUST COMPANY

POTTSVILLE, PA · Supervised by FDIC

Est. 1896FDIC #9,893RSSD: FDIC-9893
Part ofUNION BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: September 2012

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.35%

Institution Profile

FDIC BankFind

Address

25 South Centre Street, POTTSVILLE, PA

County

Schuylkill County

Established

January 1, 1896

Total Assets

$123M(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

September 1, 2012

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 13 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 Q3 2013Call Report / FDIC

Total Assets

$123M

Total Deposits

$113M

Net Loans

$75M

Net Income

$-317K

ROA

-0.35%

ROE

-4.58%

Risk-Based Capital

11.29%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate13.47%Peer avg: 7.63%▼ Below avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20241,79672.33%13.47%
20231,74872.48%14.53%
20222,30675.76%11.10%
20212,59880.41%7.12%
20203,43979.73%6.31%
20192,10978.52%8.20%
20181,56074.17%10.77%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

5 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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