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Union Bank

$100M-$1B Specialty: Other TN FDIC cert 6088

Jamestown, TN

3 branches across TN

2664 banks in the $100M-$1B peer group nationally 72 in TN
View $100M-$1B leaderboard (TN) →

Union Bank has 1 strength but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.36% below tier average

Key Concerns

Areas that may need attention

  • - ROA 0.83% below tier average
  • - Net Interest Margin 0.80% below tier average
  • - Efficiency Ratio 18.08% above tier average
Get updates when Union Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Total Assets ? $249.3M
+4.5% YoY +3.7% QoQ
-$136.8M $386.1M
+0.5% YoY
$2.8B
+35.7% YoY
$6.2B
+9.1% YoY
37%
Total Loans ? $96.7M
+12.1% YoY +2.2% QoQ
-$159.0M $255.7M
+1.1% YoY
$2.0B
+36.6% YoY
$3.2B
+10.8% YoY
19%
Total Deposits ? $226.2M
+4.0% YoY +4.2% QoQ
-$101.8M $328.0M
+0.1% YoY
$2.4B
+35.2% YoY
$4.8B
+8.2% YoY
40%
Return on Assets ? 0.44%
+412.6% YoY -8.0% QoQ
-0.83% 1.27%
+12.9% YoY
1.12%
+20.1% YoY
1.23%
+13.4% YoY
Bottom 11.7% in tier
Net Interest Margin ? 3.13%
+18.4% YoY +5.5% QoQ
-0.80% 3.93%
+6.0% YoY
3.93%
+7.0% YoY
3.89%
+5.7% YoY
15%
Efficiency Ratio ? 83.37%
-14.7% YoY +2.3% QoQ
+18.08% 65.29%
-4.5% YoY
66.13%
-5.5% YoY
66.95%
-4.1% YoY
Bottom 11.7% in tier
Delinquency Rate ? 0.53%
-21.5% YoY -34.6% QoQ
-0.36% 0.89%
+18.8% YoY
0.68%
+13.4% YoY
0.95%
+18.8% YoY
44%
Loan-to-Deposit Ratio ? 42.76%
+7.8% YoY -2.0% QoQ
-33.88% 76.64%
+0.8% YoY
79.84%
+2.1% YoY
76.70%
+0.9% YoY
Top 5.3% in tier
Non-Interest-Bearing Deposit Share ? 25.92%
-6.8% YoY -9.2% QoQ
+3.90% 22.02%
-1.0% YoY
18.48%
-3.8% YoY
22.01%
-1.2% YoY
69%
Nonperforming Asset Ratio ? 0.30%
+21.8% YoY -6.7% QoQ
-0.34% 0.64%
+19.7% YoY
0.56%
+16.1% YoY
0.67%
+19.3% YoY
51%
Tier 1 Capital Ratio ? 21.23%
-2.1% YoY -2.1% QoQ
+5.40% 15.83%
+1.5% YoY
14.23%
-1.0% YoY
17.06%
+0.8% YoY
Top 11.2% in tier
Non-Interest Income / Assets ? 0.09%
-2.2% YoY -77.6% QoQ
-0.19% 0.28%
+9.3% YoY
0.17%
-1.0% YoY
0.32%
+4.1% YoY
47%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2664 peers in $100M-$1B

Top Strengths (2 metrics)

141
Loan-to-Deposit Ratio
liquidity
Value: 42.76%
Peer Median: 76.64%
#141 of 2664 Top 5.3% in $100M-$1B
299
Tier 1 Capital Ratio
capital
Value: 21.23%
Peer Median: 15.83%
#299 of 2664 Top 11.2% in $100M-$1B

Top Weaknesses (4 metrics)

2354
Return on Assets
profitability
Value: 0.44%
Peer Median: 1.27%
#2354 of 2664 Bottom 11.7% in $100M-$1B
2352
Efficiency Ratio
profitability
Value: 83.37%
Peer Median: 65.29%
#2352 of 2664 Bottom 11.7% in $100M-$1B
2253
Net Interest Margin
profitability
Value: 3.13%
Peer Median: 3.93%
#2253 of 2664 Bottom 15.5% in $100M-$1B
2168
Total Loans
size
Value: $96.70M
Peer Median: $255.72M
#2168 of 2664 Bottom 18.7% in $100M-$1B
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