BanksUNION BANK & TRUST COMPANY

UNION BANK & TRUST COMPANY

LIVINGSTON, TNMicroEst. Jan. 1, 1932, midnightFDIC #9179RSSD #80431FDIC
Latest · 2025-12-31

UNION BANK & TRUST COMPANY is an 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%. CET1 capital ratio: 14.12%, well above regulatory minimums. NPL ratio: 2.47% · Texas Ratio: 13.56%. Operates 1 domestic branch.

Assets
$96M
Deposits
$81M
Loans
$70M
Equity
$13M

Profitability

Return on Assets (ROA)2.81%
Return on Equity (ROE)20.34%
Net Interest Margin5.92%
Yield on Assets6.85%
Cost of Funds0.99%

Asset Quality

NPL Ratio2.47%
Net Charge-Off Ratio0.04%
Texas Ratio13.56%
NPA Ratio2.10%
ACL / Loans1.90%

Capital & Liquidity

CET1 Ratio14.12%
Tier 1 Capital14.12%
Total Capital Ratio14.83%
Leverage Ratio14.30%
Loan-to-Deposit85.99%

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