BlastPoint's Banking Scorecard
Union Bank & Trust Company
Designations: ✓ Community bank ✓ CDFI-certified
Livingston, TN
Union Bank & Trust Company has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.31% above tier average
- + Net Interest Margin 1.51% above tier average
- + Efficiency Ratio 22.87% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.66% below tier average
- - Delinquency Rate 1.28% above tier average
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
|
+$36.1M |
$62.3M
-0.5% YoY
|
$2.8B
+35.7% YoY
|
$6.2B
+9.0% YoY
|
Top 1.7% in tier |
| Total Loans ? |
$65.1M
-0.6% YoY
-5.2% QoQ
|
+$30.8M |
$34.3M
-1.5% YoY
|
$2.0B
+36.6% YoY
|
$3.2B
+10.7% YoY
|
Top 7.6% in tier |
| Total Deposits ? |
$85.6M
+2.0% YoY
+5.0% QoQ
|
+$33.7M |
$51.8M
-0.6% YoY
|
$2.4B
+35.2% YoY
|
$4.8B
+8.0% YoY
|
Top 3.0% in tier |
| Return on Assets ? |
2.17%
+19.8% YoY
+9.7% QoQ
|
+1.31% |
0.86%
-3.6% YoY
|
1.12%
+20.1% YoY
|
1.24%
+13.1% YoY
|
Top 7.4% in tier |
| Net Interest Margin ? |
5.38%
+2.1% YoY
-3.3% QoQ
|
+1.51% |
3.87%
+2.7% YoY
|
3.93%
+7.0% YoY
|
3.89%
+5.7% YoY
|
Top 5.6% in tier |
| Efficiency Ratio ? |
64.76%
+14.8% YoY
+11.6% QoQ
|
-22.87% |
87.63%
+2.3% YoY
|
66.13%
-5.5% YoY
|
66.84%
-3.8% YoY
|
65% |
| Delinquency Rate ? |
2.64%
+386.6% YoY
+5.0% QoQ
|
+1.28% |
1.36%
+33.7% YoY
|
0.68%
+13.4% YoY
|
0.95%
+18.8% YoY
|
Bottom 14.9% in tier |
| Loan-to-Deposit Ratio ? |
76.10%
-2.5% YoY
-9.8% QoQ
|
+11.99% |
64.11%
-0.9% YoY
|
79.84%
+2.1% YoY
|
76.69%
+0.9% YoY
|
33% |
| Non-Interest-Bearing Deposit Share ? |
32.61%
+2.1% YoY
+8.3% QoQ
|
+8.82% |
23.79%
+0.5% YoY
|
18.48%
-3.8% YoY
|
22.01%
-1.1% YoY
|
79% |
| Nonperforming Asset Ratio ? |
1.75%
+162.5% YoY
-17.0% QoQ
|
+0.97% |
0.77%
+28.7% YoY
|
0.56%
+16.1% YoY
|
0.66%
+19.3% YoY
|
Bottom 12.7% in tier |
| Tier 1 Capital Ratio ? |
12.73%
-1.8% YoY
-11.0% QoQ
|
-14.04% |
26.77%
+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%
+1.6% YoY
|
0.17%
-1.0% YoY
|
0.32%
+4.0% YoY
|
Bottom 6.1% in tier |
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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)
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Metric Rankings
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