Short answer
UNION BANKSHARES INC (UNB) filed its Q3 2025 10-Q quarterly report on Nov 10, 2025 for the quarter ended Sep 30, 2025. Quarterly revenue was $19M (up 11.7% year over year) with net income of $3M.
Q3 2025 key financials · XBRL
- Revenue
- $19M
- +11.7% YoY · +2.6% QoQ
- Net income
- $3M
- +159.5% YoY · +43.5% QoQ
- EPS (diluted)
- $0.75
- +158.6% YoY · +44.2% QoQ
Source: XBRL data from the UNION BANKSHARES INC (UNB) Q3 2025 10-Q on SEC EDGAR. USD.
UNION BANKSHARES INC Q3 2025 10-Q analysis
AI summary of MD&A and risk factor updates
Risk Factors
- New risk: Increased FDIC assessment driven by higher assessment rates and asset growth, raising expense by $324K YTD, impacting operational costs
- Updated credit risk: Nonperforming assets increased to 0.86% of total assets at 9/30/25 vs 0.13% a year ago, reflecting asset quality deterioration
- Regulatory risk: Effective federal income tax rate rose to 9.8% Q3 2025 from a benefit rate of (10.4%) prior year due to prior year tax benefit on investment losses
- Market risk: Net interest margin improved to 3.03% Q3 2025 from 2.71% prior year, driven by yield increase on earning assets by 30 bps and liability cost reduction by 6 bps
- Financial risk: Time deposits grew 36.5% since 12/31/24 to $312.5M, reflecting deposit composition shift and raising liquidity and funding cost considerations
Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K
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