Union Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 13.45 percentage points higher than in Q1 2026, at 147.63%. Union Bank ranks 95th of 109 Tennessee banks on return on assets, in the lower half at 0.59% (Q2 2026). Union Bank's return on assets of 0.59% is well below the 1.26% median for banks in the $100M-1B asset tier, a gap of 0.67 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 21.26% |
| Tier 1 risk-based capital ratio | 21.26% |
| Total risk-based capital ratio | 21.88% |
| Tier 1 leverage ratio | 10.68% |
| Equity capital to assets | 8.86% |
| Tangible equity to tangible assets | 8.86% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.49% |
| Non-performing assets ratio | 0.29% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 3.18% |
| Allowance for credit losses to loans | 0.72% |
| Reserve coverage of non-performing loans | 147.63% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.59% |
| Return on equity | 6.58% |
| Net interest margin | 3.15% |
| Efficiency ratio | 76.56% |
| Yield on earning assets | 4.77% |
| Cost of funds | 1.68% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 44.53% |
| Core deposits to total deposits | 83.21% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.50% |
| Securities to assets | 43.50% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 23.84% | 23.84% | 25.09% | 11.79% | -0.03% |
| Q4 2023 | 23.45% | 23.45% | 24.19% | 11.77% | 0.68% |
| Q1 2024 | 23.68% | 23.68% | 24.43% | 11.46% | -0.13% |
| Q2 2024 | 23.14% | 23.14% | 23.90% | 11.40% | -0.35% |
| Q3 2024 | 23.38% | 23.38% | 24.15% | 11.31% | 0.24% |
| Q4 2024 | 21.99% | 21.99% | 22.62% | 10.96% | 0.28% |
| Q1 2025 | 21.68% | 21.68% | 22.31% | 10.81% | 0.09% |
| Q2 2025 | 21.64% | 21.64% | 22.27% | 10.71% | 0.53% |
| Q3 2025 | 21.68% | 21.68% | 22.30% | 10.86% | 0.73% |
| Q4 2025 | 21.67% | 21.67% | 22.28% | 10.82% | 0.56% |
| Q1 2026 | 21.23% | 21.23% | 21.82% | 10.65% | 0.44% |
| Q2 2026 | 21.26% | 21.26% | 21.88% | 10.68% | 0.59% |
Union Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Union Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Union Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6088) · FFIEC NIC profile (RSSD 235231)