Bank Comparison
Union Bank & Trust Company vs Bank of Wrightsville
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
14 · 5
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Union Bank & Trust Company | Bank of Wrightsville |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 12.73% | 11.21% |
| Equity / Assets | 12.32% | 8.98% |
Profitability
| Metric | Union Bank & Trust Company | Bank of Wrightsville |
|---|---|---|
| Return on Assets (ROA) | 2.14% | 1.71% |
| Return on Equity (ROE) | 16.43% | 20.06% |
| Net Interest Margin (NIM) | 5.34% | 4.05% |
| Yield on Earning Assets | 6.25% | 5.48% |
| Cost of Funds | 1.02% | 1.54% |
Asset quality
| Metric | Union Bank & Trust Company | Bank of Wrightsville |
|---|---|---|
| Texas Ratio | 12.88% | 0.24% |
| Non-Performing Loan Ratio | 2.59% | 0.05% |
| Non-Performing Asset Ratio | 1.75% | 0.02% |
| Net Charge-Off Ratio | -0.03% | 0.29% |
| ACL / Loans | 1.85% | 1.01% |
Balance sheet
| Metric | Union Bank & Trust Company | Bank of Wrightsville |
|---|---|---|
| Total Assets | $98,367K | $98,163K |
| Total Deposits | $85,570K | $88,649K |
| Total Loans | $66,347K | $48,687K |
| Total Equity | $12,114K | $8,816K |
| Net Income (quarter) | $526 | $428 |
Liquidity & funding
| Metric | Union Bank & Trust Company | Bank of Wrightsville |
|---|---|---|
| Loan-to-Deposit Ratio | 77.54% | 54.92% |
| Core Deposit Ratio | 92.99% | 89.13% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Union Bank & Trust Company | Bank of Wrightsville |
|---|---|---|
| Headquarters City | LIVINGSTON | Wrightsville |
| Headquarters State | TN | GA |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 16 | 10 |
| Established | Jan. 1, 1932, midnight | Jan. 1, 1897, 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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