Bank Comparison
Union Bank, Inc. vs Bank of the Bluegrass and Trust CO.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 13
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Union Bank, Inc. | Bank of the Bluegrass and Trust CO. |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 9.03% | 10.55% |
| Equity / Assets | 8.39% | 8.55% |
Profitability
| Metric | Union Bank, Inc. | Bank of the Bluegrass and Trust CO. |
|---|---|---|
| Return on Assets (ROA) | 1.85% | 1.31% |
| Return on Equity (ROE) | 21.94% | 14.86% |
| Net Interest Margin (NIM) | 3.46% | 3.53% |
| Yield on Earning Assets | 4.66% | 5.38% |
| Cost of Funds | 1.31% | 2.01% |
Asset quality
| Metric | Union Bank, Inc. | Bank of the Bluegrass and Trust CO. |
|---|---|---|
| Texas Ratio | 10.44% | 0.23% |
| Non-Performing Loan Ratio | 1.05% | 0.03% |
| Non-Performing Asset Ratio | 0.43% | 0.02% |
| Net Charge-Off Ratio | 0.08% | 0.00% |
| ACL / Loans | 0.89% | 1.72% |
Balance sheet
| Metric | Union Bank, Inc. | Bank of the Bluegrass and Trust CO. |
|---|---|---|
| Total Assets | $415,050K | $415,191K |
| Total Deposits | $376,746K | $350,091K |
| Total Loans | $172,512K | $311,147K |
| Total Equity | $34,819K | $35,487K |
| Net Income (quarter) | $1,978K | $1,327K |
Liquidity & funding
| Metric | Union Bank, Inc. | Bank of the Bluegrass and Trust CO. |
|---|---|---|
| Loan-to-Deposit Ratio | 45.79% | 88.88% |
| Core Deposit Ratio | 99.41% | 94.91% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Union Bank, Inc. | Bank of the Bluegrass and Trust CO. |
|---|---|---|
| Headquarters City | Middlebourne | LEXINGTON |
| Headquarters State | WV | KY |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 8 | 5 |
| Employees (FTE) | 61 | 66 |
| Established | July 5, 1947, midnight | April 10, 1972, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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