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Union Bank & Trust Company

Livingston, TN · Cert 9179 · Overton Financial Services Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$98.1MAssets
$67.9MLoans
$85.0MDeposits
$12.5MEquity
Loan mix
88%RE $57.4M5%C&I $3.4M7%Consumer $4.7MQ2 2025Q2 2026
Deposit mix
69%Interest-bearing $58.6M31%Noninterest $26.4MQ2 2025Q2 2026

NIM

5.71%Q2 ’246.10%Q2 ’255.94%Q2 ’26+10%-3%

Non-interest income vs. expense

3.09%Q2 ’243.13%Q2 ’253.34%Q2 ’26+2%+6%

Executive Summary

  • Earnings: ROA of 1.56%, up 5 bps year over year; NIM at 5.10%.
  • Asset quality: problem loans at 2.63% of loans (+205 bps YoY), with net charge-offs at 0.13%.
  • Capital: tier 1 leverage ratio of 12.87%, down 30 bps from a year ago.
  • Funding: loans stand at 79.85% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.56%+5 bps YoY

Net Interest Margin (quarter, annualized)

5.10%-17 bps YoY

Efficiency Ratio (quarter, annualized)

62.44%+547 bps YoY

Tier 1 Leverage Ratio

12.87%-30 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.51%1.25%2.08%1.82%1.56%+5 bps
Return on Equity12.33%9.62%15.04%13.82%12.45%+12 bps
Net Interest Margin5.27%5.42%5.34%5.09%5.10%-17 bps
Efficiency Ratio56.96%57.37%61.41%64.76%62.44%+547 bps
Non-Interest Burden2.91%3.01%3.19%3.28%3.09%+18 bps
Growth
Asset Growth (YoY)2.07%-1.75%0.86%2.42%1.04%-103 bps
Loan Growth (YoY)2.12%7.10%8.47%-0.46%1.59%-53 bps
Deposit Growth (YoY)0.51%-3.17%-0.87%1.96%0.87%+37 bps
Asset Quality
Nonperforming Loans / Loans0.59%0.65%2.47%2.59%2.63%+205 bps
Net Charge-Offs / Loans-0.04%0.13%-0.05%-0.03%0.13%+17 bps
Allowance / Loans1.93%2.10%1.90%1.85%1.79%-13 bps
Allowance Coverage of NPLs3.3x3.2x0.8x0.7x0.7x-2.6x
Capital
Tier 1 Leverage Ratio13.17%13.71%14.30%12.73%12.87%-30 bps
Total Risk-Based Capital13.17%13.71%14.30%12.73%12.87%-30 bps
Equity / Assets12.54%13.48%14.12%12.32%12.75%+21 bps
Liquidity & Funding
Loans / Deposits79.29%85.69%85.99%77.54%79.85%+56 bps
Liquid Assets / Assets5.77%4.57%5.66%13.77%12.50%+672 bps
CRE / Total Capitaln/a65.45%59.59%57.03%n/an/a