Union Bank & Trust Company: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
In Q2 2026, Yield on securities edged up by 0.09 percentage points, from 1.93% to 2.03%, the largest move among the key lines here. Among 109 Tennessee banks, Union Bank & Trust Company sits 6th from the top on net interest margin, 5.38% as of Q2 2026. The median for banks in the < $100M asset tier is 3.89% on net interest margin. Union Bank & Trust Company sits 1.49 points higher, at 5.38% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.26% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.99% |
| Cost of interest-bearing deposits | 1.46% |
| Cost of interest-bearing liabilities | 1.46% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.38% |
| Yield to cost spread | 4.80% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.3M |
| Total interest expense | $212K |
| Interest expense on deposits | $212K |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin |
|---|---|---|---|
| Q3 2023 | 5.47% | 0.94% | 4.63% |
| Q4 2023 | 5.52% | 1.15% | 4.51% |
| Q1 2024 | 5.65% | 1.11% | 4.66% |
| Q2 2024 | 5.71% | 1.07% | 4.78% |
| Q3 2024 | 5.98% | 1.15% | 4.94% |
| Q4 2024 | 6.12% | 1.14% | 5.11% |
| Q1 2025 | 6.12% | 1.06% | 5.18% |
| Q2 2025 | 6.37% | 0.97% | 5.50% |
| Q3 2025 | 6.54% | 1.00% | 5.66% |
| Q4 2025 | 6.46% | 1.00% | 5.59% |
| Q1 2026 | 6.25% | 1.02% | 5.34% |
| Q2 2026 | 6.26% | 0.99% | 5.38% |
Union Bank & Trust Company yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Union Bank & Trust Company, freeSource: Call Report Schedules RI and RC-K, 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)