UNION BANK & TRUST COMPANY

LIVINGSTON, TN | Micro | Est. Jan. 1, 1932, midnight | FDIC #9179 | RSSD #80431 | FDIC
Latest Report: 2025-12-31

UNION BANK & TRUST COMPANY is amn micro FDIC-insured commercial bank headquartered in LIVINGSTON, TN, established in Jan. 1, 1932, midnight. As of 2025-12-31, the bank reported total assets of $96M and total deposits of $81M. Profitability stands at 2.81% ROA and 20.34% ROE, with a net interest margin of 5.92%. The bank's CET1 capital ratio is 14.12%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 2.47% and a Texas Ratio of 13.56%. FDIC Certificate #9179.

Assets

$96M

Deposits

$81M

Loans

$70M

Equity

$13M

Profitability

Return on Assets (ROA) 2.81%
Return on Equity (ROE) 20.34%
Net Interest Margin (NIM) 5.92%
Yield on Assets 6.85%
Cost of Funds 1.42%

Asset Quality

NPL Ratio 2.47%
Net Charge-Off Ratio 0.04%
Texas Ratio 13.56%
NPA Ratio 2.10%
ACL / Loans 1.90%

Capital & Liquidity

CET1 Ratio 14.12%
Tier 1 Capital 14.12%
Total Capital Ratio 14.83%
Leverage Ratio 14.30%
Loan-to-Deposit 85.99%

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