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Overview / Commentary
Third And Oak Streets
Mount Carmel, PA 17851

UNB Bank is headquartered in Mount Carmel and is the 160th largest bank in the state of Pennsylvania. It is also the 4,206th largest bank in the nation. It was established in 1906 and as of March of 2014, it had grown to 30 employees at 2 locations. UNB Bank has a B+ health rating.

Reviews (1)

Just Called For My Balance

This is the worst bank Ive ever used, I have never had a conversation with multiple bank employees that are rude and unable to help  like these people, They give horrible directions, and this is the only bank ive been a part of that charges you a dollar just to check your balance, when that requires no work at all the atm pulls up your account balance and they charge a buck for that....


So there not helpful at all

There very rude

There condecending, speak down to you like there something incredible when there just dumb skeezy old hags

1.00 fee to check your balance, and plenty of other hidden fees,

If you start out with free checking and get over a 1000 they automatically update the account to the next level up checking and start hitting you with fees hard, and you can have it happen a dozen times and tell them when i qualify for any changes in my account, not to do it with out first discussing it with me, or without me asking for it, but everytime my account has 1000 in it they always upgrade i and then it goes back below 1000 example 998 and they will hit me with 5-10 dollar fees all month till i notice somethings messed up and I call them to fix it and wants again they are nothing but rude, not helpful at all, and as far as Iam concerned since i asked multiple times for them not to upgrade my account

I spoke with a cindy she was almost nice atleast compared to the other one who is marryanne and the words i would use to describe her is stuff you wouldnt want children to hear, So, I reccomend if you have an account with these guys change banks or just keep it in a safe your self, so they dont screw you, and if you dont have an account I would look around at other banks


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 UNB Bank had $571,000 in non-current loans and owned real-estate with $13.86 million in equity and loan loss allowances on hand to cover it. This gives UNB Bank a Texas Ratio of 4.12% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for UNB Bank decreased slightly from 4.97% as of March 31, 2013 to 4.12% as of March 31, 2014, resulting in a positive change of 17.16%.This indicates that the balance sheet and financial strength for UNB Bank has improved slightly in recent periods.

Deposit Growth


In the past year, UNB Bank has decreased its total deposits by -$5.06 million, resulting in -4.41% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth UNB Bank has shown is below average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. UNB Bank has $123.64 million in assets with $13.86 million in equity, resulting in a capitalization level of 11.21%, which is excellent.

Institution Statistics

FDIC Certificate #7631
Year Established1906
Primary RegulatorFDIC
Assets and Liabilities
Assets$123.64 million
Loans$75.01 million
Deposits$109.66 million
Equity Capital$13.00 million
Loan Loss Allowance$859,000
Unbacked Noncurrent Loans$571,000
Real Estate Owned$0
Historic Data - March 2013
Assets$129.52 million
Equity Capital$13.47 million
Loan Loss Allowance$824,000
Unbacked Noncurrent Loans$571,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin2.77%
Return on Assets0.89%
Return on Equity8.71%
Interest Income$1.01 million

Always verify rates and promotions with the bank or credit union. We are not UNB Bank, we are a rate comparison website and can not provide official rates or promotions.

UNB Bank Savings Account Rates

0.20%--Christmas Club (Automatic) Account
0.20%--Vacation Club (Automatic) Account
0.15%$100k-Regular Savings
0.10%--Christmas Club (Coupon Book) Account
0.10%--Vacation Club (Coupon Book) Account

UNB Bank Money Market Rates

0.15%$100k-Money Market Account

UNB Bank Checking Account Rates

0.10%$500-Now Account

UNB Bank CD Rates

1.50%$10k-60 Month CD
1.40%$10k-48 Month CD
1.00%$10k-36 Month CD
0.50%$1k-24 Month CD
0.30%$1k-12 Month CD
0.20%$1k-6 Month CD

UNB Bank IRA Rates

1.50%$250-60 Month IRA
1.00%$250-36 Month IRA
0.50%$250-24 Month IRA
0.30%$250-12 Month IRA

UNB Bank Locations
Numidia Branch1071 Numidia DriveCatawissa, PA 17820
Unb BankThird and Oak StreetsMount Carmel, PA 17851