Union Bank & Trust Company: 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: 3.24 percentage points lower than in Q1 2026, at 68.12%. Union Bank & Trust Company ranks 21st of 109 Tennessee banks on return on assets, in the upper half at 1.82% (Q2 2026). Union Bank & Trust Company's return on assets of 1.82% is well above the 0.98% median for banks in the < $100M asset tier, a gap of 0.83 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.87% |
| Equity capital to assets | 12.75% |
| Tangible equity to tangible assets | 12.75% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.63% |
| Non-performing assets ratio | 1.82% |
| Net charge-off ratio | 0.13% |
| Texas ratio | 13.03% |
| Allowance for credit losses to loans | 1.79% |
| Reserve coverage of non-performing loans | 68.12% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.82% |
| Return on equity | 14.85% |
| Net interest margin | 5.38% |
| Efficiency ratio | 62.39% |
| Yield on earning assets | 6.26% |
| Cost of funds | 0.99% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 79.85% |
| Core deposits to total deposits | 92.31% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.68% |
| Securities to assets | 16.39% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 13.05% | 1.23% | 4.63% | 3.13% | 0.03% |
| Q4 2023 | 13.60% | 1.87% | 4.51% | 3.14% | -0.02% |
| Q1 2024 | 14.06% | 1.54% | 4.66% | 2.97% | 0.06% |
| Q2 2024 | 12.86% | 1.82% | 4.78% | 3.56% | 0.19% |
| Q3 2024 | 13.62% | 1.78% | 4.94% | 1.38% | 4.58% |
| Q4 2024 | 13.84% | 2.04% | 5.11% | 0.91% | 0.75% |
| Q1 2025 | 12.97% | 1.82% | 5.18% | 0.85% | 0.12% |
| Q2 2025 | 13.17% | 1.79% | 5.50% | 0.90% | -0.04% |
| Q3 2025 | 13.71% | 1.48% | 5.66% | 0.95% | 0.13% |
| Q4 2025 | 14.30% | 2.75% | 5.59% | 2.47% | -0.05% |
| Q1 2026 | 12.73% | 2.14% | 5.34% | 2.59% | -0.03% |
| Q2 2026 | 12.87% | 1.82% | 5.38% | 2.63% | 0.13% |
Union Bank & Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Union Bank & Trust Company, 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 & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9179) · FFIEC NIC profile (RSSD 80431)