Bank · FDIC insured
UNB Bank
A $167.3M bank headquartered in Mount Carmel, PA, with 2 branches in Pennsylvania. Best rates: CDs 4.05% and savings 0.05% APY.
UNB Bank Carrot Score
74
Carrot Score
Higher than 36% of U.S. banks and credit unions
#8 of 16 in Sunbury, PA metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About UNB Bank
UNB Bank has been locally owned and operated since 1906, previously operating as the Union National Bank of Mount Carmel prior to converting to a State Bank Charter in late 2012.
- Headquarters
- 1 N Oak St, Mount Carmel, PA 17851
- FDIC certificate
- 7631 ↗
Branches
2 branches in Pennsylvania
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Pennsylvania
2 branches
Sunbury area · 1
- UNB BankMain office1 N Oak St, Mount Carmel, PA 17851Directions
Bloomsburg area · 1
- Numidia Branch1071 Numidia Dr, Catawissa, PA 17820Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.33% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.12% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.14% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $58 | $81 | — |
- CapitalLeverage ratio9.33%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.12%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.14%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$58Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of UNB Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.