Bank Comparison
Union Bank & Trust Company vs Bank of Milan, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 10
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Union Bank & Trust Company | Bank of Milan, the |
|---|---|---|
| CET1 Ratio | — | 16.01% |
| Tier 1 Capital Ratio | — | 16.01% |
| Total Capital Ratio | — | 16.52% |
| Tier 1 Leverage Ratio | 12.73% | 8.83% |
| Equity / Assets | 12.32% | 7.02% |
Profitability
| Metric | Union Bank & Trust Company | Bank of Milan, the |
|---|---|---|
| Return on Assets (ROA) | 2.14% | 2.77% |
| Return on Equity (ROE) | 16.43% | 43.06% |
| Net Interest Margin (NIM) | 5.34% | 3.31% |
| Yield on Earning Assets | 6.25% | 4.63% |
| Cost of Funds | 1.02% | 1.40% |
Asset quality
| Metric | Union Bank & Trust Company | Bank of Milan, the |
|---|---|---|
| Texas Ratio | 12.88% | 0.00% |
| Non-Performing Loan Ratio | 2.59% | 0.00% |
| Non-Performing Asset Ratio | 1.75% | 0.00% |
| Net Charge-Off Ratio | -0.03% | -0.02% |
| ACL / Loans | 1.85% | 0.54% |
Balance sheet
| Metric | Union Bank & Trust Company | Bank of Milan, the |
|---|---|---|
| Total Assets | $98,367K | $104,464K |
| Total Deposits | $85,570K | $91,921K |
| Total Loans | $66,347K | $57,863K |
| Total Equity | $12,114K | $7,334K |
| Net Income (quarter) | $526 | $763 |
Liquidity & funding
| Metric | Union Bank & Trust Company | Bank of Milan, the |
|---|---|---|
| Loan-to-Deposit Ratio | 77.54% | 62.95% |
| Core Deposit Ratio | 92.99% | 94.69% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Union Bank & Trust Company | Bank of Milan, the |
|---|---|---|
| Headquarters City | LIVINGSTON | MILAN |
| Headquarters State | TN | TN |
| Asset Tier | Micro | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 2 |
| Employees (FTE) | 16 | 16 |
| Established | Jan. 1, 1932, midnight | Nov. 12, 1993, 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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