Union Bank & Trust Company (Livingston, TN)
BankRegReports is independent of Union Bank & Trust Company and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Union Bank & Trust Company is an FDIC-insured commercial bank headquartered in Livingston, TN, established in 1932 (FDIC certificate 9179), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $98.1M, up 1.0% from Q2 2025, the 104th largest of 109 banks headquartered in Tennessee. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.87% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 9179
- Headquarters
- Livingston, TN
- Established
- 1932
- Total assets, Q2 2026
- $98.1M
- Assets vs Q2 2025
- +1.0%
- Tier 1 leverage ratio, Q2 2026
- 12.87%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 064105666
- Latest call report
- Q2 2026, FFIEC 051 · Union Bank & Trust Company call report
- Holding company
- OVERTON FINANCIAL SERVICES, INC.
- Asset rank in state
- 104th of 109 in Tennessee
Problem loans are rising at Union Bank & Trust Company. Based in Livingston, Tennessee, it had $98 million in assets at June 30, 2026, up 1.0% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.63% of loans from 0.59% a year earlier. It keeps 5.38 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 583 banks with less than $100 million in assets (median 3.87 cents). On the other hand, it carries problem assets equal to 13.0% of the capital and reserves that would absorb them, 9.4 times the median of 1.4% for banks its size.
As of June 30, 2026, Union Bank & Trust Company reported a return on assets of 1.82%, a nonperforming-loan ratio of 2.63% and a Texas ratio of 13.03%. The figures come from its call report filed with the FFIEC.
Of the 109 banks headquartered in Tennessee, Union Bank & Trust Company is the 104th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.3% to $98.1M, loans rose 2.3% and deposits fell 0.7%. 1-4 family residential loans made up 68.7% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 7.0%. Its one office in the FDIC Summary of Deposits is in Livingston, TN. Judged on its Q2 2026 call report, Union Bank & Trust Company meets the community bank leverage ratio test for well capitalized.
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
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1932
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 16
- Domestic deposits
- $85.0M
- Allowance for credit losses
- $1.2M
- Net charge-offs (YTD)
- $17K
- Average total assets
- $100.7M
- Average total loans
- $67.1M
- Average interest-bearing deposits
- $58.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9179
- Fed RSSD
- 80431
- Parent Holding Company
- OVERTON FINANCIAL SERVICES, INC. (RSSD 2854092)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Union Bank & Trust Company reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Union Bank & Trust Company's total assets ran between $94.0M (Q1 2024) and $99.3M (Q4 2023), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$98.1M total assets against $97.0M; $85.6M total liabilities against $84.9M.
$66.7M net loans and leases against $65.5M; $85.0M total deposits against $84.3M.
$16.1M securities against $21.4M; $13.5M cash and balances due against $8.0M.
$1.5M total interest income against $1.5M; $212K total interest expense against $203K.
$1.3M net interest income against $1.3M.
$64K total noninterest income against $53K; $841K total noninterest expense against $761K.
$18K provision for credit losses against $110K.
$457K net income against $435K.
1.82% return on assets against 1.79%; 5.38% net interest margin against 5.50%.
12.87% tier 1 leverage ratio against 13.17%.
Inside the full Union Bank & Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeUnion Bank & Trust Company rankings
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.48% (Q3 2025) to 2.75% (Q4 2025) and its net interest margin ran from 4.94% (Q3 2024) to 5.66% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.87% | 1.82% | 2.63% | 13.03% | 5.38% |
| Q1 2026 | 12.73% | 2.14% | 2.59% | 12.88% | 5.34% |
| Q4 2025 | 14.30% | 2.75% | 2.47% | 13.56% | 5.59% |
| Q3 2025 | 13.71% | 1.48% | 0.65% | 5.17% | 5.66% |
| Q2 2025 | 13.17% | 1.79% | 0.59% | 5.02% | 5.50% |
| Q1 2025 | 12.97% | 1.82% | 0.53% | 5.02% | 5.18% |
| Q4 2024 | 13.84% | 2.04% | 0.74% | 3.65% | 5.11% |
| Q3 2024 | 13.62% | 1.78% | 1.06% | 5.27% | 4.94% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 & Trust Company (main office) | Livingston , TN | 38570 | $85.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TN, rank 143 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $50K approved, $50K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2000 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Union Bank & Trust Company’s latest filed figures and updates each quarter.
Similar banks
Compare Union Bank & Trust Company with peers
Frequently asked about Union Bank & Trust Company
What are Union Bank & Trust Company's total assets?
As of the Q2 2026 filing, Union Bank & Trust Company reported total assets of $98.1 million in its FFIEC call report.
Where is Union Bank & Trust Company headquartered?
It is headquartered in Livingston, TN, United States.
When was Union Bank & Trust Company founded?
It was established in 1932, per the FDIC institution directory.
Is Union Bank & Trust Company FDIC-insured?
Yes. It 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.
How many branches does Union Bank & Trust Company operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Union Bank & Trust Company's Texas Ratio?
Its Texas Ratio is 13.03% 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.
Go deeper on Union Bank & Trust Company.
Get an email when Union Bank & Trust Company files its next call report, and benchmark it against any peer you choose.
Unlock Union Bank & Trust Company, freeFree account