Union Bank & Trust Company
Union Bank & Trust Company is a small community bank chartered in 1932, based in Livingston, TN. The Q1 2026 balance sheet stands at $98M in assets, including $66M in loans. The bank posts a strong 2.14% ROA and 16.43% ROE. Under the simplified Community Bank Leverage Ratio framework, leverage of 12.73% exceeds the 9% CBLR threshold. Credit conditions bear watching: 2.59% NPL ratio with a 12.88% Texas Ratio (elevated but below the 100% concern level). The bank operates from a single office.
Headquarters Profile
- Address
- 201 E Main St, LIVINGSTON, TN 38570
- County
- Overton
- Metro Area
- COOKEVILLE, TN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- Fed District
- 13
- Established
- January 1, 1932
- Branches
- 1 domestic
- Employees (FTE)
- 16
- FDIC Cert
- 9179
- Fed RSSD
- 80431
- Website
- www,ubtconline.com →
- Parent Holding Company
- OVERTON FINANCIAL SERVICES, INC. (RSSD 2854092)
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Union Bank & Trust Company rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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Frequently asked about Union Bank & Trust Company
What are Union Bank & Trust Company's total assets?
As of the Q1 2026 filing, Union Bank & Trust Company reported total assets of $98.4 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Union Bank & Trust Company headquartered?
Union Bank & Trust Company is headquartered in LIVINGSTON, TN, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Union Bank & Trust Company founded?
Union Bank & Trust Company was established in 1932, per the FDIC institution directory.
Is Union Bank & Trust Company FDIC-insured?
Yes. Union Bank & Trust Company is an FDIC-insured commercial bank (FDIC Certificate #9179). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Union Bank & Trust Company?
Union Bank & Trust Company's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Union Bank & Trust Company operate?
Union Bank & Trust Company operates 1 domestic branch, per the most recent FDIC Summary of Deposits filing.
What is Union Bank & Trust Company's Texas Ratio?
Union Bank & Trust Company's Texas Ratio is 12.88% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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