---
schema_version: "secwatch.filing_event.v1"
accession: "0000706863-26-000006"
form_type: "8-K"
ticker: "UNB"
cik: "0000706863"
company_name: "UNION BANKSHARES INC"
filed_at: "2026-02-05T23:59:59+00:00"
generated_at: "2026-05-16T04:38:46.430913+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Union Bankshares reports FY2025 net income $11.1M ($2.43 EPS), up 26% YoY; Q4 net income $2.7M

## Summary
- Full-year 2025 net income $11.1M ($2.43 diluted EPS) vs $8.8M ($1.94) in 2024; Q4 net income $2.7M ($0.60) vs $3.0M ($0.67).
- Net interest income rose 12.1% to $43.0M in FY2025; credit loss expense fell to $774K from $930K.
- Book value per share increased 19.7% to $17.53 from $14.65, aided by retained earnings of $96.2M.
- Quarterly cash dividend of $0.36 per share declared, payable Feb 5, 2026 to holders of record Jan 31, 2026.
- Total assets grew 5.8% to $1.62B; deposits were $1.21B; loans net $1.18B with solid asset quality.

## SEC filing metadata
- accession: 0000706863-26-000006
- form_type: 8-K
- ticker: UNB
- cik: 0000706863
- company_name: UNION BANKSHARES INC
- filed_at: 2026-02-05T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/706863/000070686326000006/0000706863-26-000006-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/706863/000070686326000006/unb-20260205.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000706863-26-000006
- JSON: https://secwatch.observer/filing/0000706863-26-000006.json
- Plain text: https://secwatch.observer/filing/0000706863-26-000006.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.