B
Union Bank & Trust Company
Rating Date
April 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 B
Asset Quality Index 6.30
Capitalization Index 10.00
Liquidity Index 2.40
Profitability Index 8.00
Stability Index 5.70
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 -4.56%
5-Year Asset Growth 2.09%
5-Year Charge-Offs to Average Loans 0.40%
Charge-Offs to Average Loans 1.39%
Non-Performing Assets to Assets 0.62%
Non-Performing Loans to Capital 3.74%
Non-Performing Loans to Loans 0.91%
Balance Sheet Union Bank & Trust Company
Livingston, TN
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Total Assets 94.78M
Total Deposits 82.18M
Capital and Reserves Union Bank & Trust Company
Livingston, TN
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Capital 11.97M
Leverage Ratio 13.84
Loan Loss Reserves to Loans 1.69%
Risk-Based Capital Ratio --
Liquidity Union Bank & Trust Company
Livingston, TN
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Hot Money Ratio 22.85%
Liquidity Ratio 22.96%
Profitability Union Bank & Trust Company
Livingston, TN
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5-Year Return on Average Assets 2.23%
Net Income 1.70M
Net Interest Spread 4.87%
Operating Profit to Average Assets 1.92%
Overhead Efficiency Ratio 59.96%
Return on Assets 1.80%
Return on Equity 14.77%