BlastPoint's Banking Scorecard
Union Bank & Trust Company
Designations: ✓ Community bank ✓ CDFI-certified
Livingston, 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 536 banks in the under $100M peer group nationwide — 1 of 6 in TN.
- Deposits +0.9% year over year ($85.0M on the books).
- Delinquency rate 2.68%.
- Return on assets 2.02%.
- Efficiency ratio 63.56% vs a 119.40% peer average.
- Loan-to-deposit ratio 78.42% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Union Bank & Trust Company has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.50% above tier average
- + ROA 1.02% above tier average
- + Efficiency Ratio 55.84% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.20% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$98.1M
+1.0% YoY
-0.3% QoQ
|
+$35.6M |
$62.4M
-0.0% YoY
|
$2.9B
+37.8% YoY
|
$6.3B
+7.7% YoY
|
Top 2.4% in tier |
| Total Loans ? |
$66.7M
+1.7% YoY
+2.4% QoQ
|
+$31.8M |
$34.9M
-0.6% YoY
|
$2.1B
+37.6% YoY
|
$3.2B
+9.4% YoY
|
Top 7.8% in tier |
| Total Deposits ? |
$85.0M
+0.9% YoY
-0.7% QoQ
|
+$33.4M |
$51.6M
-0.2% YoY
|
$2.4B
+35.4% YoY
|
$4.9B
+7.3% YoY
|
Top 3.4% in tier |
| Return on Assets ? |
2.02%
+11.8% YoY
-6.9% QoQ
|
+1.02% |
1.00%
+3.5% YoY
|
1.13%
+12.0% YoY
|
1.30%
+12.1% YoY
|
Top 10.4% in tier |
| Net Interest Margin ? |
5.41%
-0.2% YoY
+0.6% QoQ
|
+1.50% |
3.91%
+2.3% YoY
|
3.99%
+5.6% YoY
|
3.95%
+4.9% YoY
|
Top 6.0% in tier |
| Efficiency Ratio ? |
63.56%
+12.1% YoY
-1.9% QoQ
|
-55.84% |
119.40%
+49.6% YoY
|
65.40%
-4.8% YoY
|
70.05%
+2.5% YoY
|
67% |
| Delinquency Rate ? |
2.68%
+349.5% YoY
+1.7% QoQ
|
+1.20% |
1.48%
+31.8% YoY
|
0.70%
+6.5% YoY
|
0.98%
+16.3% YoY
|
Bottom 14.5% in tier |
| Loan-to-Deposit Ratio ? |
78.42%
+0.8% YoY
+3.0% QoQ
|
+4.21% |
74.21%
+12.6% YoY
|
81.19%
+2.5% YoY
|
79.03%
+2.3% YoY
|
32% |
| Non-Interest-Bearing Deposit Share ? |
31.02%
-2.4% YoY
-4.9% QoQ
|
+7.53% |
23.49%
+0.6% YoY
|
18.80%
-1.8% YoY
|
21.98%
-0.6% YoY
|
78% |
| Nonperforming Asset Ratio ? |
1.82%
+162.2% YoY
+4.4% QoQ
|
+0.99% |
0.84%
+23.0% YoY
|
0.58%
+9.8% YoY
|
0.69%
+15.8% YoY
|
Bottom 12.7% in tier |
| Tier 1 Capital Ratio ? |
12.87%
-2.3% YoY
+1.1% QoQ
|
-14.26% |
27.13%
+3.0% YoY
|
14.06%
-1.8% YoY
|
17.09%
+0.8% YoY
|
30% |
| Non-Interest Income / Assets ? |
0.08%
-50.2% YoY
+642.3% QoQ
|
-1.31% |
1.38%
+6.3% YoY
|
0.34%
-6.5% YoY
|
0.66%
+5.2% YoY
|
29% |
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 |
31.0%
-0.8pp YoY -1.6pp QoQ |
+6.4pp | 24.6% | 18.8% | 22.2% | 76% |
| Brokered Deposits | n/a | n/a | 9.8% | 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 |
5.3%
-0.1pp YoY +0.1pp QoQ |
-8.1pp | 13.4% | 10.9% | 12.5% | 22% |
| CRE | n/a | n/a | 25.2% | 42.4% | 41.4% | n/a |
| 1-4 Family |
70.0%
+4.2pp YoY -0.2pp QoQ |
+35.0pp | 35.0% | 39.8% | 31.3% | 86% |
| Consumer |
7.0%
-1.1pp YoY -0.2pp QoQ |
-0.7pp | 7.7% | 4.5% | 5.0% | 64% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 14.8% | 19.7% | n/a |
| Leverage Ratio |
12.9%
-0.3pp YoY +0.1pp QoQ |
-4.8pp | 17.7% | 11.4% | 12.6% | 51% |
| Total Capital Ratio | n/a | n/a | 39.7% | 15.9% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
16
0 YoY 0 QoQ |
+4 | 12 | 270 | 482 | 77% |
| Assets per Employee ($) |
$6.1M
+1.0% YoY -0.3% QoQ |
-$59K | $6.2M | $7.1M | $8.8M | 53% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 17 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.2% | 0.4% | n/a |
| Nonaccrual |
2.7%
+2.1pp YoY 0.0pp QoQ |
+0.9pp | 1.7% | 0.7% | 1.0% | 84% |
| Allowance Coverage |
0.68x
-79.3% YoY -4.5% QoQ |
-5.73x | 6.41x | 28.97x | 20.23x | 32% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY +0.1pp QoQ |
-0.1pp | 0.2% | 0.1% | 0.2% | 58% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
15.5%
+0.9pp YoY -0.9pp QoQ |
+9.1pp | 6.4% | 10.9% | 11.6% | 86% |
| Cost of Funds (YTD) |
0.9%
0.0pp YoY 0.0pp QoQ |
-0.5pp | 1.4% | 2.0% | 1.7% | 22% |
| Net Income ($, YTD) |
$983,000
+13.4% YoY — QoQ |
+$665K | $317,817 | $16.7M | $40.4M | 95% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.