The National Union Bank of Kinderhook

Headquarters

1 Hudson Street
Kinderhook, NY 12106
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 1.40% →
1-Year CD N.A. 1.15% →
2-Year CD N.A. 1.26% →
5-Year CD N.A. 1.56% →
30-Year Mortgage 3.93% 3.09% →
15-Year Mortgage 3.59% 2.59% →
HELOC N.A. 2.77% →

2020 Overview

General Bank Information

The National Union Bank of Kinderhook is an FDIC insured institution located in Kinderhook, NY. It was founded in 1853 and has approximately $0.65 billion in assets. Customers can open an account at one of its 12 branches.

FDIC Insured Yes
FDIC Certificate # 7128
Date Established 1853
Assets $ 632.52 million
Loans $ 480.76 million
Deposits $ 568.76 million
Capital $ 70.26 million
 

For a more detailed analysis of The National Union Bank of Kinderhook's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - July 10, 2020

Your Current Location: Virginia, VA 20146


Loan Rates - July 10, 2020

Your Current Location: Virginia, VA 20146

Refinance Mortgage Rates APR Rate Monthly Payment
Purchase Mortgage Rates APR Rate Monthly Payment

Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.

Branches

The National Union Bank of Kinderhook branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


The National Union Bank of Kinderhook Locations


Financial Details

The National Union Bank of Kinderhook Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of The National Union Bank of Kinderhook. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
The National Union Bank of Kinderhook U.S. Bank Average
10.05% 6.51%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2019, The National Union Bank of Kinderhook had $7,334,000 in non-current loans and $135,000 in owned real estate. To cover these potential losses it had $70,255,000 in equity and $4,040,000 in loans loss reserves. That gives it a Texas Ratio of 10.05%.

Return on Equity
The National Union Bank of Kinderhook U.S. Bank Average
5.12% 9.41%

The National Union Bank of Kinderhook has a Return on Equity of 5.12% versus the BestCashCow average of 9.41%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
The National Union Bank of Kinderhook U.S. Bank Average
11.11% 12.82%

The National Union Bank of Kinderhook has a Capitalization of 11.11% versus the BestCashCow average of 12.82. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

The National Union Bank of Kinderhook Balance Sheet Analysis

As of June 30, 2019, The National Union Bank of Kinderhook had assets of $648,127,000, loans of $480,760,000, and deposits of $568,760,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

December 31, 2019
ASSETS
Cash & Balances due from depository institutions $ 92.44 million
Interest-bearing balances $ 86.11 million
Total securities $ 38.14 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 480.76 million
Loan loss allowance $ 4.04 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.14 million
Goodwill and other intangibles $ 6.23 million
All other assets $ 16.05 million
     Total Assets $ 577.87 million
LIABILITIES
Total deposits $ 568.76 million
      Interest-bearing deposits $ 467.65 million
      Deposits held in domestic offices $ 568.76 million
      % insured (estimated) 78.45%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 2.40 million
Subordinated debt N.A.
All other liabilities $ 6.72 million
      Total Liabilities $ 577.87 million
      Shareholders’ Equity $ 54.65 million

Summary Income Statement

December 31, 2019
INCOME AND EXPENSES
Total Interest Income $ 13.14 million
Total Interest Expense $ 2.38 million
Net interest income $ 10.76 million
Provision for loan and lease losses $ 0.23 million
Total non interest income $ 1.08 million
Total non interest expense $ 8.32 million
Pre-tax Net Operating Income $ 3.28 million

Bank Loan Profile?

The top three loan types in The National Union Bank of Kinderhook’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Multifamily Mortgages.

Compared to other banks, The National Union Bank of Kinderhook’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 36.63
Multifamily
Mortgages
16.22
Credit Card Loans 0.11
Consumer Auto Loans 0.18
Small Business Loans 13.52
Construction and Development Loans 4.02
Commercial Real Estate 32.41
Commercial and Industrial Loans 8.72
Farm Loans 0.17

Frequently Asked Questions About The National Union Bank Of Kinderhook

Branches and Savings

Is The National Union Bank Of Kinderhook FDIC insured?

Yes. It is covered under FDIC Certificate #7128.

Why does The National Union Bank Of Kinderhook pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are The National Union Bank Of Kinderhook CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is The National Union Bank Of Kinderhook a commercial bank?

Yes

Where are The National Union Bank Of Kinderhook locations?

See branch locations nearby.

Is The National Union Bank Of Kinderhook open on Saturdays?

Is The National Union Bank Of Kinderhook open on Sundays?

What time does The National Union Bank Of Kinderhook open?

What time does The National Union Bank Of Kinderhook close?

Are The National Union Bank Of Kinderhook ATMs Open 24/7?

Do The National Union Bank Of Kinderhook ATMs accept cash deposits?

Can The National Union Bank Of Kinderhook customers use other ATMs?

Do The National Union Bank Of Kinderhook branches have notaries?

Will The National Union Bank Of Kinderhook notarize my document?

What address for The National Union Bank Of Kinderhook should I put for incoming ACH transfers?

Will the The National Union Bank Of Kinderhook branch print checks?

Do The National Union Bank Of Kinderhook checks expire?

Does The National Union Bank Of Kinderhook require US citizenship to open account?

Can The National Union Bank Of Kinderhook close my account?

Does The National Union Bank Of Kinderhook Report to credit bureaus?

Does The National Union Bank Of Kinderhook Use Equifax?

What is The National Union Bank Of Kinderhook's ACH Routing Number?

What is The National Union Bank Of Kinderhook's SWIFT code?

Products

Does The National Union Bank Of Kinderhook offer mortgages?

Compare mortgage rates here.

Does The National Union Bank Of Kinderhook offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does The National Union Bank Of Kinderhook offer personal loans?

Compare personal loan rates here.

Does The National Union Bank Of Kinderhook offer student loans?

Will The National Union Bank Of Kinderhook cash a check?

Will The National Union Bank Of Kinderhook redeem a savings bond?

Does The National Union Bank Of Kinderhook cash savings bonds?

Will The National Union Bank Of Kinderhook cash money orders?

Can The National Union Bank Of Kinderhook issue a money order?

Does The National Union Bank Of Kinderhook do currency exchange?

Background on The Bank

Who owns The National Union Bank Of Kinderhook?

How long has The National Union Bank Of Kinderhook been around?

Can The National Union Bank Of Kinderhook transfer to other banks?

Does The National Union Bank Of Kinderhook have quick pay?

Does The National Union Bank Of Kinderhook accept rolled coins?

Will The National Union Bank Of Kinderhook accept loose change?

Where is The National Union Bank Of Kinderhook headquarters?

Customer Reviews for The National Union Bank of Kinderhook

There are currently no comments for The National Union Bank of Kinderhook. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →