Union Bank & Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Union Bank & Trust Company of Livingston, TN against its peer group of 536 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 Behind the peer average, ahead of the median peer. | 1.82% | 3.32% | -1.50% | 79th top |
| ROAE | 14.85% | 8.28% | +6.57% | 80th top |
| Net Interest Margin | 5.38% | 3.92% | +1.46% | 94th top |
| Efficiency Ratio | 62.39% | 84.51% | -22.12% | 66th above |
| PPNR / Avg Assets | 2.01% | 1.56% | +0.45% | 79th top |
| Yield on Earning Assets | 6.26% | 5.24% | +1.02% | 83rd top |
| Cost of Funds | 0.99% | 1.67% | -0.68% | 80th top |
| Net Interest Spread | 4.80% | 3.30% | +1.50% | 93rd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.63% | 1.42% | +1.21% | 12th bottom |
| NPA / Total Assets | 1.82% | 0.71% | +1.11% | 10th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.13% | 0.15% | -0.02% | 14th bottom |
| ACL / Total Loans | 1.79% | 1.53% | +0.26% | 78th top |
| ACL / NPLs (Coverage) | 68.12% | 723.21% | -655.09% | 28th below |
| Texas Ratio | 13.03% | 8.55% | +4.48% | 15th bottom |
| Provision / NCO | -582.35% | 288.90% | -871.25% | 0th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.87% | 22.10% | -9.23% | 48th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 12.75% | 20.74% | -7.99% | 52nd above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 12.75% | 20.49% | -7.74% | 54th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 79.85% | 74.25% | +5.60% | 31st below |
| Core Deposit Ratio | 92.31% | 88.30% | +4.01% | 55th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.04% | 3.83% | -2.79% | 40th below |
| Loan Growth (Y/Y) | 1.59% | 6.86% | -5.27% | 47th below |
| Deposit Growth (Y/Y) | 0.87% | 2.98% | -2.11% | 43rd below |
See Union Bank & Trust Company's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Union Bank & Trust Company, 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 & Trust Company profile, how to read a UBPR, or how this data updates.