UNION BANK

JAMESTOWN, TN | Small | Est. Jan. 1, 1904, midnight | FDIC #6088 | RSSD #235231 | FDIC
Latest Report: 2025-12-31

UNION BANK is asn small FDIC-insured commercial bank headquartered in JAMESTOWN, TN, established in Jan. 1, 1904, midnight. As of 2025-12-31, the bank reported total assets of $240M and total deposits of $217M. Profitability stands at 0.56% ROA and 6.24% ROE, with a net interest margin of 3.12%. The bank's CET1 capital ratio is 21.67%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.80% and a Texas Ratio of 3.42%. FDIC Certificate #6088.

Assets

$240M

Deposits

$217M

Loans

$95M

Equity

$22M

Profitability

Return on Assets (ROA) 0.56%
Return on Equity (ROE) 6.24%
Net Interest Margin (NIM) 3.12%
Yield on Assets 4.79%
Cost of Funds 1.70%

Asset Quality

NPL Ratio 0.80%
Net Charge-Off Ratio 0.00%
Texas Ratio 3.42%
NPA Ratio 0.32%
ACL / Loans 0.71%

Capital & Liquidity

CET1 Ratio 21.67%
Tier 1 Capital 21.67%
Total Capital Ratio 22.28%
Leverage Ratio 10.82%
Loan-to-Deposit 43.92%

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