Financial insights of UNB

MyFinsight

For the quarter ending 2025-09-30, UNB made $40,951K in revenue. $3,436K in net income. Net profit margin of 8.39%.

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

Income Statement	2025-09-30	2025-06-30
Interest and fees on loans	16,996	16,563
Taxable	1,351	1,314
Tax exempt	388	389
Dividends	203	199
Interest on federal funds sold and overnight deposits	192	178
Interest on interest bearing deposits in banks	77	78
Total interest and dividend income	19,207	18,721
Interest on deposits	5,070	5,607
Interest on borrowed funds	2,838	2,526
Interest on subordinated notes	143	142
Total interest expense	8,051	8,275
Net interest income	11,156	10,446
Credit loss expense	313	221
Net interest income after credit loss expense	10,843	10,225
Wealth management income	297	295
Service fees	1,793	1,715
Net losses on sales of investment securities available-for-sale	0	-
Net gains on sales of loans held for sale	700	480
Net gains on other investments	94	119
Other income	466	150
Total noninterest income	3,350	2,759
Salaries and wages	4,436	4,085
Employee benefits	1,406	1,971
Occupancy expense, net	537	547
Equipment expense	1,095	1,100
Other expenses	2,869	2,784
Total noninterest expenses	10,343	10,487
Income before provision (benefit) for income taxes	3,850	2,497
Provision (benefit) for income taxes	414	102
Net income	3,436	2,395

Basic earnings per common share (in usd per share)	0.75	0.53
Diluted earnings per common share (in usd per share)	0.75	0.52
Weighted average common and potential common shares for diluted eps (in shares)	4,599,367	4,580,028
Weighted average number of common shares outstanding (in shares)	4,563,784	4,544,460