Union Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Union Bank of Jamestown, TN against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.59% | 1.25% | -0.66% | 14th bottom |
| ROAE | 6.58% | 13.17% | -6.59% | 18th bottom |
| Net Interest Margin | 3.15% | 3.95% | -0.80% | 14th bottom |
| Efficiency Ratio | 76.56% | 61.50% | +15.06% | 16th bottom |
| PPNR / Avg Assets | 0.76% | — | — | 13th bottom |
| Yield on Earning Assets | 4.77% | 5.67% | -0.90% | 15th bottom |
| Cost of Funds | 1.68% | 1.87% | -0.19% | 58th above |
| Net Interest Spread | 2.48% | — | — | 12th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.49% | 0.93% | -0.44% | 46th below |
| NPA / Total Assets | 0.29% | — | — | 52nd above |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 0.72% | — | — | 8th bottom |
| ACL / NPLs (Coverage) | 147.63% | — | — | 39th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 3.18% | 6.06% | -2.88% | 46th below |
| Provision / NCO | 357.14% | — | — | 67th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 21.26% | 17.18% | +4.08% | 81st top |
| Tier 1 Ratio | 21.26% | 17.21% | +4.05% | 81st top |
| Total Capital Ratio | 21.88% | — | — | 79th top |
| Leverage Ratio | 10.68% | 11.75% | -1.07% | 44th below |
| Equity / Assets | 8.86% | 10.98% | -2.12% | 24th bottom |
| TCE / Tangible Assets | 8.86% | — | — | 28th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 44.53% | 80.44% | -35.91% | 95th top |
| Core Deposit Ratio | 83.21% | 86.95% | -3.74% | 25th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.43% | — | — | 49th below |
| Loan Growth (Y/Y) | 12.32% | — | — | 80th top |
| Deposit Growth (Y/Y) | 4.08% | — | — | 50th above |
See Union Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Union Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Union Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Union Bank peer analysis.