C
Union Bank & Trust Company
Rating Date
March 2026
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 5.50
Capitalization Index 10.00
Liquidity Index 1.60
Profitability Index 8.60
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 0.86%
5-Year Asset Growth -0.19%
5-Year Charge-Offs to Average Loans 0.58%
Charge-Offs to Average Loans 0.04%
Non-Performing Assets to Assets 2.10%
Non-Performing Loans to Capital 11.36%
Non-Performing Loans to Loans 2.47%
Balance Sheet Union Bank & Trust Company
Livingston, TN
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Total Assets 95.59M
Total Deposits 81.46M
Capital and Reserves Union Bank & Trust Company
Livingston, TN
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Capital 13.50M
Leverage Ratio 14.30
Loan Loss Reserves to Loans 1.90%
Risk-Based Capital Ratio --
Liquidity Union Bank & Trust Company
Livingston, TN
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Hot Money Ratio 21.96%
Liquidity Ratio 19.77%
Profitability Union Bank & Trust Company
Livingston, TN
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5-Year Return on Average Assets 2.15%
Net Income 1.89M
Net Interest Spread 5.48%
Operating Profit to Average Assets 2.01%
Overhead Efficiency Ratio 58.05%
Return on Assets 1.96%
Return on Equity 15.37%