Union Bank (Jamestown, TN)
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Data as of · sourced from FFIEC call reports. How we update
Union Bank is an FDIC-insured commercial bank headquartered in Jamestown, TN, established in 1904 (FDIC certificate 6088), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $247.0M, up 4.4% from Q2 2025, the 81st largest of 109 banks headquartered in Tennessee. Its CET1 capital ratio was 21.26% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 6088
- Headquarters
- Jamestown, TN
- Established
- 1904
- Total assets, Q2 2026
- $247.0M
- Assets vs Q2 2025
- +4.4%
- CET1 ratio, Q2 2026
- 21.26%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 064104052
- Holding company
- JAMESTOWN UNION BANCSHARES, INC.
- Asset rank in state
- 81st of 109 in Tennessee
Union Bank, based in Jamestown, Tennessee, reported $247 million in assets at June 30, 2026, up 4.4% from a year earlier. It keeps 3.15 cents of net interest income on every dollar of earning assets, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also earns about $0.59 a year on every $100 of assets, about half the median of $1.28 for banks its size.
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.49% of loans from 1.26%. Paper losses on its bond portfolio are shrinking: unrealized losses of $11 million equal 41% of Tier 1 capital, down from 50% a year earlier. Costs are the weak spot: it spends about 77 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, Union Bank reported a CET1 capital ratio of 21.26%, a return on assets of 0.59%, a nonperforming-loan ratio of 0.49% and a Texas ratio of 3.18%. The figures come from its call report filed with the FFIEC.
Of the 109 banks headquartered in Tennessee, Union Bank is the 81st largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 0.9% to $247.0M, loans rose 2.2% and deposits fell 1.2%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 51.0% of total loans, ahead of construction and land development loans at 16.9%. Its 3 offices in the FDIC Summary of Deposits are in Jamestown, TN, Clarkrange, TN and Byrdstown, TN; its Jamestown office books 82% of its branch deposits. Judged on its Q2 2026 call report, Union Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 311 N Main St, Jamestown, TN 38556
- County
- Fentress
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- Limited trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1904
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 41
- Domestic deposits
- $223.5M
- Allowance for credit losses
- $716K
- Net charge-offs (YTD)
- $14K
- Average total assets
- $244.8M
- Average total loans
- $98.3M
- Average interest-bearing deposits
- $162.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 6088
- Fed RSSD
- 235231
- Website
- https://myunion.bank →
- Parent Holding Company
- JAMESTOWN UNION BANCSHARES, INC. (RSSD 1129542)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Union Bank's total assets ranged from $216.8M (Q3 2023) to $249.3M (Q1 2026), and it earned a profit in 9 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$247.0M total assets against $236.5M; $225.1M total liabilities against $216.6M.
$98.8M net loans and leases against $87.9M; $223.5M total deposits against $214.8M.
$107.5M securities against $109.0M; $24.4M cash and balances due against $22.9M.
$2.8M total interest income against $2.6M; $938K total interest expense against $996K.
$1.8M net interest income against $1.6M.
$222K total noninterest income against $261K; $1.6M total noninterest expense against $1.5M.
$30K provision for credit losses against $0.
$358K net income against $313K.
0.59% return on assets against 0.53%; 3.15% net interest margin against 2.86%.
21.26% CET1 capital ratio against 21.64%; 10.68% tier 1 leverage ratio against 10.71%.
Inside the full Union Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Union Bank rankings
Its closest position to the top of a national ranking is 278 of 2,134, for CET1 ratio; its furthest is 3,147 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.09% (Q1 2025) to 0.73% (Q3 2025) and its net interest margin ran from 2.39% (Q3 2024) to 3.15% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 21.26% | 0.59% | 0.49% | 3.18% | 3.15% |
| Q1 2026 | 21.23% | 0.44% | 0.53% | 3.32% | 3.08% |
| Q4 2025 | 21.67% | 0.56% | 0.80% | 3.42% | 3.08% |
| Q3 2025 | 21.68% | 0.73% | 0.59% | 2.50% | 3.03% |
| Q2 2025 | 21.64% | 0.53% | 1.26% | 5.44% | 2.86% |
| Q1 2025 | 21.68% | 0.09% | 0.67% | 2.91% | 2.55% |
| Q4 2024 | 21.99% | 0.28% | 0.80% | 3.50% | 2.41% |
| Q3 2024 | 23.38% | 0.24% | 0.90% | 3.45% | 2.39% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Union Bank (main office) | Jamestown , TN | 38556 | $183.3M |
| Clarkrange Branch | Clarkrange , TN | 38553 | $22.7M |
| Union Bank (main office) | Byrdstown , TN | 38549 | $17.6M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TN, rank 105 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Union Bank
What are Union Bank's total assets?
As of the Q2 2026 filing, Union Bank reported total assets of $247.0 million in its FFIEC call report.
Where is Union Bank headquartered?
It is headquartered in Jamestown, TN, United States.
When was Union Bank founded?
It was established in 1904, per the FDIC institution directory.
Is Union Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #6088). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Union Bank?
Union Bank's primary federal regulator is the FDIC.
What is Union Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 21.26% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Union Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Union Bank's Texas Ratio?
Its Texas Ratio is 3.18% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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