Union Bankshares, Inc. is a Vermont-incorporated one-bank holding company that operates Union Bank, a state-chartered community bank established in 1891, with branch locations and delivery channels serving northern Vermont and northern New Hampshire. The company provides commercial banking services including business loans and real estate financing, retail banking products such as deposit accounts and consumer loans, specialized services including online cash management and merchant services, and wealth management and trust services to individuals, small and medium-sized businesses, nonprofit organizations, and municipalities. Union generates revenue principally from net interest income—the spread between interest earned on loans and securities and interest paid on deposits and borrowings—supplemented by service fees and noninterest income from loan sales and other sources, competing in its markets by emphasizing personal service, local expertise, and community relationships against larger regional and national institutions.