Union Bank & Trust Company
Livingston, TN · Cert 9179 · Peer group: banks under $1B in assets (n=581-629) · Overton Financial Services Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
$98.1MAssets
$67.9MLoans
$85.0MDeposits
$12.5MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 96% of banks under $1B in assets (rank 24 of 629).
- Widest gap: nonperforming loans / loans trails 91% of banks under $1B in assets (rank 532 of 581).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.68%
Rank 117 of 629
Net Interest Margin
5.03%
Rank 24 of 629
Efficiency Ratio
63.56%
Rank 239 of 629
Equity / Assets
12.75%
Rank 195 of 629
Non-interest income vs. expense
Unfavorable gap of $3.2M · efficiency ratio beats 62% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.68% | 0.60% | 1.01% | 1.45% | Beats 81% | 117 / 629 | |
| Return on Equity | 13.20% | 5.38% | 9.30% | 13.28% | Beats 74% | 161 / 629 | |
| Net Interest Margin | 5.03% | 3.03% | 3.54% | 4.05% | Beats 96% | 24 / 629 | |
| Efficiency Ratio | 63.56% | 58.35% | 67.79% | 79.08% | Beats 62% | 239 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.63% | 0.09% | 0.46% | 1.20% | Beats 9% | 532 / 581 | |
| Net Charge-Offs / Loans | 0.05% | n/a | 0.01% | 0.06% | Beats 28% | 419 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 12.87% | 11.24% | 13.84% | 18.77% | Beats 41% | 368 / 629 | |
| Total Risk-Based Capital Ratio | 12.87% | 11.58% | 14.43% | 19.66% | Beats 37% | 397 / 629 | |
| Equity / Assets | 12.75% | 9.09% | 10.65% | 13.80% | Beats 69% | 195 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 79.85% | 67.24% | 80.90% | 93.48% | 49th pctl | 302 / 594 | |
| Loans / Assets | 69.22% | 53.31% | 67.71% | 78.15% | 54th pctl | 290 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |