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Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Union Bankshares
Union Bankshares (UNB) investor relations material
Union Bankshares Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary21 Oct, 2026
Executive summary
Q3 net income was $3.8M vs. $3.4M YoY; 9M net income was $9.7M vs. $8.3M, supported by higher net interest income and lower 9M credit-loss expense.
Assets rose 1.2% from Dec. 31, 2025 to $1.64B; loans including held-for-sale grew 4.5% to $1.23B and deposits increased 3.0% to $1.25B.
Financial highlights
Q3 total interest and dividend income was $20.4M vs. $19.2M; net interest income rose 10.0% to $12.1M. 9M net interest income was $35.1M vs. $31.9M.
Q3 income before taxes was $4.3M vs. $3.9M; 9M income before taxes was $10.9M vs. $9.0M.
Q3 credit-loss expense fell to $34K from $313K; 9M had a $116K credit-loss benefit vs. $769K expense.
Q3 noninterest income fell 15.1% to $2.8M; 9M noninterest income was nearly flat at $8.6M, including a $381K gain on a closed branch sale.
Noninterest expense rose 2.6% to $10.6M in Q3 and 7.2% to $32.9M in 9M; 9M salaries reflected annual adjustments, succession overlap and retirement-related costs.
Outlook and guidance
Economic and geopolitical uncertainty, inflation, tariffs, trade policies and potential federal shutdowns could affect customers, markets and results; management cited continued loan and deposit growth and improved margins in 2026.
Management considers current credit-loss expense appropriate for the portfolio and continues monitoring macroeconomic indicators that may affect borrower repayment capacity.
Liquidity was assessed as sufficient for reasonable borrower, depositor and creditor needs, while future cash needs and flows remain subject to substantial uncertainty.
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Latest events from Union Bankshares
- Q2 2026 net income up 22.1%, with strong asset and book value growth.UNB
Q2 2026 - Q1 2026 net income rose 20.1% to $3.0M, with strong asset growth and a $0.36 dividend declared.UNBQ1 2026
- Vote on director elections and auditor ratification at the May 2026 annual meeting.UNBProxy filing
- Annual meeting to elect ten directors, ratify auditor, and address executive transitions.UNBProxy filing
- 2025 net income up 26.5% to $11.1M, with strong asset growth and higher book value per share.UNBQ4 2025
- Registering up to $50M in NASDAQ-listed common stock to fund growth, lending, and acquisitions.UNBRegistration Filing
- Annual meeting to vote on directors, executive pay, auditor, and ESG-focused governance.UNBProxy Filing
- Annual meeting to vote on directors, executive pay, Say-on-Pay frequency, and auditor ratification.UNBProxy Filing
- Net income and EPS rose sharply, supported by strong loan growth and asset quality.UNBQ3 2025
Next Union Bankshares earnings date
Q4 20265 Feb, 2027
Union Bankshares
Next Union Bankshares earnings date
Q4 20265 Feb, 2027
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Frequently asked questions
Union Bankshares, Inc. is a bank holding company. It operates through its subsidiary, Union Bank, providing a range of financial services, including commercial, retail, and municipal banking, as well as wealth management. The bank serves customers in northern Vermont and New Hampshire. The company is headquartered in Morrisville, Vermont, and its shares are listed on the NASDAQ.