🏦Bank Scorer

This institution is no longer active

Operations ceased on January 24, 2026. CRA examination history below reflects the period it was active.

UNION BANK, INC.

MIDDLEBOURNE, WV · Supervised by FDIC

Est. 1947FDIC #16,620RSSD: FDIC-16620
Part ofHOMETOWN BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: April 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.82%

Institution Profile

FDIC BankFind

Address

103 Dodd St, MIDDLEBOURNE, WV

County

Tyler County

Established

July 5, 1947

Total Assets

$415M(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

April 1, 2025

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Apr 2029(based on asset size)

Financial Snapshot

As of Q4 2025Call Report / FDIC

Total Assets

$415M

Total Deposits

$377M

Net Loans

$171M

Net Income

$8M

ROA

1.82%

ROE

22.88%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

8

Branch Deposits

$366M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

8 previous ratings locked — dating back to 1994

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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