C
Union Bank & Trust Company
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Union Bank & Trust Company
Livingston, TN
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Rating C
Asset Quality Index 7.80
Capitalization Index 10.00
Liquidity Index 1.60
Profitability Index 8.10
Stability Index 5.00
Company Info Union Bank & Trust Company
Livingston, TN
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FDIC Number 9179
Phone Number (931) 823-1247
Website www.ubtconline.com
Asset Quality Union Bank & Trust Company
Livingston, TN
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1-Year Asset Growth -1.75%
5-Year Asset Growth 2.09%
5-Year Charge-Offs to Average Loans 0.58%
Charge-Offs to Average Loans 0.07%
Non-Performing Assets to Assets 1.00%
Non-Performing Loans to Capital 3.07%
Non-Performing Loans to Loans 0.95%
Balance Sheet Union Bank & Trust Company
Livingston, TN
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Total Assets 94.50M
Total Deposits 81.18M
Capital and Reserves Union Bank & Trust Company
Livingston, TN
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Capital 12.74M
Leverage Ratio 13.71
Loan Loss Reserves to Loans 2.10%
Risk-Based Capital Ratio --
Liquidity Union Bank & Trust Company
Livingston, TN
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Hot Money Ratio 21.14%
Liquidity Ratio 17.84%
Profitability Union Bank & Trust Company
Livingston, TN
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5-Year Return on Average Assets 2.15%
Net Income 1.22M
Net Interest Spread 5.45%
Operating Profit to Average Assets 1.81%
Overhead Efficiency Ratio 56.92%
Return on Assets 1.70%
Return on Equity 13.56%