BlastPoint's Banking Scorecard
Union Bank
Jamestown, TN
3 branches across TN
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 72 in TN.
- Deposits +4.1% year over year ($223.5M on the books).
- Delinquency rate 0.50%.
- Return on assets 0.51%.
- Efficiency ratio 80.19% vs a 64.48% peer average.
- Loan-to-deposit ratio 44.21% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Union Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.42% below tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 38.5% in tier
- - ROA 0.81% below tier average
- - Net Interest Margin 0.81% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$247.0M
+4.4% YoY
-0.9% QoQ
|
-$139.6M |
$386.6M
+1.2% YoY
|
$2.9B
+37.8% YoY
|
$6.3B
+7.7% YoY
|
36% |
| Total Loans ? |
$98.8M
+12.4% YoY
+2.2% QoQ
|
-$159.5M |
$258.3M
+1.7% YoY
|
$2.1B
+37.6% YoY
|
$3.2B
+9.4% YoY
|
19% |
| Total Deposits ? |
$223.5M
+4.1% YoY
-1.2% QoQ
|
-$103.2M |
$326.7M
+0.7% YoY
|
$2.4B
+35.4% YoY
|
$4.9B
+7.3% YoY
|
39% |
| Return on Assets ? |
0.51%
+65.0% YoY
+16.5% QoQ
|
-0.81% |
1.32%
+10.8% YoY
|
1.13%
+12.0% YoY
|
1.30%
+12.1% YoY
|
Bottom 12.4% in tier |
| Net Interest Margin ? |
3.18%
+13.2% YoY
+1.4% QoQ
|
-0.81% |
3.99%
+5.0% YoY
|
3.99%
+5.6% YoY
|
3.95%
+4.9% YoY
|
15% |
| Efficiency Ratio ? |
80.19%
-9.4% YoY
-3.8% QoQ
|
+15.72% |
64.48%
-3.2% YoY
|
65.40%
-4.8% YoY
|
70.05%
+2.5% YoY
|
Bottom 13.5% in tier |
| Delinquency Rate ? |
0.50%
-61.1% YoY
-6.3% QoQ
|
-0.42% |
0.92%
+15.7% YoY
|
0.70%
+6.5% YoY
|
0.98%
+16.3% YoY
|
46% |
| Loan-to-Deposit Ratio ? |
44.21%
+8.0% YoY
+3.4% QoQ
|
-33.74% |
77.95%
+1.0% YoY
|
81.19%
+2.5% YoY
|
79.03%
+2.3% YoY
|
Top 5.6% in tier |
| Non-Interest-Bearing Deposit Share ? |
28.31%
-2.4% YoY
+9.2% QoQ
|
+6.28% |
22.03%
-0.6% YoY
|
18.80%
-1.8% YoY
|
21.98%
-0.6% YoY
|
77% |
| Nonperforming Asset Ratio ? |
0.29%
-38.6% YoY
-2.2% QoQ
|
-0.38% |
0.67%
+16.4% YoY
|
0.58%
+9.8% YoY
|
0.69%
+15.8% YoY
|
53% |
| Tier 1 Capital Ratio ? |
21.26%
-1.8% YoY
+0.2% QoQ
|
+5.35% |
15.91%
+1.4% YoY
|
14.06%
-1.8% YoY
|
17.09%
+0.8% YoY
|
Top 11.5% in tier |
| Non-Interest Income / Assets ? |
0.18%
-11.0% YoY
+98.8% QoQ
|
-0.38% |
0.57%
+7.6% YoY
|
0.34%
-6.5% YoY
|
0.66%
+5.2% YoY
|
45% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
28.3%
-0.7pp YoY +2.4pp QoQ |
+6.2pp | 22.1% | 18.8% | 22.2% | 77% |
| Brokered Deposits | n/a | n/a | 7.9% | 9.4% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
5.1%
-1.4pp YoY -0.1pp QoQ |
-6.4pp | 11.6% | 10.9% | 12.5% | 20% |
| CRE |
33.1%
+0.9pp YoY -1.7pp QoQ |
-6.4pp | 39.5% | 42.4% | 41.4% | 40% |
| 1-4 Family |
51.4%
+2.0pp YoY +1.7pp QoQ |
+18.8pp | 32.6% | 39.8% | 31.3% | 84% |
| Consumer |
5.2%
-0.9pp YoY 0.0pp QoQ |
+1.0pp | 4.1% | 4.5% | 5.0% | 78% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
21.3%
-0.4pp YoY 0.0pp QoQ |
+2.4pp | 18.8% | 14.8% | 19.7% | 81% |
| Leverage Ratio |
10.7%
0.0pp YoY 0.0pp QoQ |
-1.5pp | 12.2% | 11.4% | 12.6% | 44% |
| Total Capital Ratio |
21.9%
-0.4pp YoY +0.1pp QoQ |
+1.9pp | 19.9% | 15.9% | 20.8% | 80% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
41
+1 (+2.5%) YoY -1 (-2.4%) QoQ |
-18 | 58 | 270 | 482 | 42% |
| Assets per Employee ($) |
$6.0M
+1.9% YoY +1.5% QoQ |
-$1.5M | $7.5M | $7.1M | $8.8M | 34% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 17 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
-0.7pp YoY |
-0.3pp | 0.3% | 0.2% | 0.4% | 11% |
| Nonaccrual |
0.5%
-0.1pp YoY 0.0pp QoQ |
-0.4pp | 0.9% | 0.7% | 1.0% | 52% |
| Allowance Coverage |
1.46x
+139.6% YoY +8.9% QoQ |
-22.69x | 24.15x | 28.97x | 20.23x | 38% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 59% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
5.8%
+2.0pp YoY +0.8pp QoQ |
-6.4pp | 12.2% | 10.9% | 11.6% | 16% |
| Cost of Funds (YTD) |
1.7%
-0.2pp YoY 0.0pp QoQ |
-0.1pp | 1.7% | 2.0% | 1.7% | 47% |
| Net Income ($, YTD) |
$626,000
+72.5% YoY — QoQ |
-$1.9M | $2.6M | $16.7M | $40.4M | 14% |
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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 (0)
Concerns (1)
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.