BlastPoint's Banking Scorecard

Union Bank & Trust Company

under $100M Specialty: Mortgage TN FDIC cert 9179

Designations: ✓ Community bank ✓ CDFI-certified

Livingston, TN

541 banks in the under $100M peer group nationally 6 in TN

Union Bank & Trust Company has 3 strengths but faces 2 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

+ Return on Assets 1.33% above tier average
+ Net Interest Margin 1.52% above tier average
+ Efficiency Ratio 23.58% below tier average

Key Concerns

Areas that may need attention

- Non-Interest Income / Assets 0.66% below tier average
- Delinquency Rate 1.27% above tier average

Get updates when Union Bank & Trust Company releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Total Assets ?	$98.4M +2.4% YoY +2.9% QoQ	+$36.2M	$62.2M -0.6% YoY	$2.8B +35.7% YoY	$6.2B +9.1% YoY	Top 1.7% in tier
Total Loans ?	$65.1M -0.6% YoY -5.2% QoQ	+$30.9M	$34.2M -1.4% YoY	$2.0B +36.6% YoY	$3.2B +10.8% YoY	Top 7.6% in tier
Total Deposits ?	$85.6M +2.0% YoY +5.0% QoQ	+$33.8M	$51.7M -0.7% YoY	$2.4B +35.2% YoY	$4.8B +8.2% YoY	Top 3.0% in tier
Return on Assets ?	2.17% +19.8% YoY +9.7% QoQ	+1.33%	0.84% -2.3% YoY	1.12% +20.1% YoY	1.23% +13.4% YoY	Top 7.4% in tier
Net Interest Margin ?	5.38% +2.1% YoY -3.3% QoQ	+1.52%	3.86% +2.8% YoY	3.93% +7.0% YoY	3.89% +5.7% YoY	Top 5.5% in tier
Efficiency Ratio ?	64.76% +14.8% YoY +11.6% QoQ	-23.58%	88.34% +0.3% YoY	66.13% -5.5% YoY	66.95% -4.1% YoY	65%
Delinquency Rate ?	2.64% +386.6% YoY +5.0% QoQ	+1.27%	1.37% +33.8% YoY	0.68% +13.4% YoY	0.95% +18.8% YoY	15%
Loan-to-Deposit Ratio ?	76.10% -2.5% YoY -9.8% QoQ	+11.89%	64.22% -0.7% YoY	79.84% +2.1% YoY	76.70% +0.9% YoY	33%
Non-Interest-Bearing Deposit Share ?	32.61% +2.1% YoY +8.3% QoQ	+8.90%	23.71% +0.3% YoY	18.48% -3.8% YoY	22.01% -1.2% YoY	79%
Nonperforming Asset Ratio ?	1.75% +162.5% YoY -17.0% QoQ	+0.96%	0.79% +28.2% YoY	0.56% +16.1% YoY	0.67% +19.3% YoY	Bottom 12.9% in tier
Tier 1 Capital Ratio ?	12.73% -1.8% YoY -11.0% QoQ	-13.95%	26.68% +2.0% YoY	14.23% -1.0% YoY	17.06% +0.8% YoY	29%
Non-Interest Income / Assets ?	0.01% -89.6% YoY -96.2% QoQ	-0.66%	0.67% +1.9% YoY	0.17% -1.0% YoY	0.32% +4.1% YoY	Bottom 6.1% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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).

Compare against:

Comparing against 541 peers in under $100M

Top Strengths (6 metrics)

Total Assets

size

Value: $98.37M

Peer Median: $62.16M

#10 of 541 Top 1.7% in under $100M

Total Deposits

size

Value: $85.57M

Peer Median: $51.74M

#17 of 541 Top 3.0% in under $100M

Net Interest Margin

profitability

Value: 5.38%

Peer Median: 3.86%

#31 of 541 Top 5.5% in under $100M

Return on Assets

profitability

Value: 2.17%

Peer Median: 0.84%

#41 of 541 Top 7.4% in under $100M

Total Loans

size

Value: $65.12M

Peer Median: $34.25M

#42 of 541 Top 7.6% in under $100M

112

Non-Interest-Bearing Deposit Share

funding

Value: 32.61%

Peer Median: 23.71%

#112 of 541 Top 20.5% in under $100M

Top Weaknesses (3 metrics)

509

Non-Interest Income / Assets

revenue_mix

Value: 0.01%

Peer Median: 0.67%

#509 of 541 Bottom 6.1% in under $100M

472

Nonperforming Asset Ratio

credit_quality

Value: 1.75%

Peer Median: 0.79%

#472 of 541 Bottom 12.9% in under $100M

443

Delinquency Rate

credit_quality

Value: 2.64%

Peer Median: 1.37%

#443 of 521 Bottom 15.2% in under $100M