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Union Bank
Jamestown, TN · FDIC Certificate #6088 · Chartered 01/0
Total assets
$247.00M
Total deposits
$223.53M
Total equity
$21.87M
Net loans
$98.82M
Branches (offices)
3
Net income (YTD)
$626.00K
Rank: #2,731 of 4,213 U.S. banks by assets · #81 of 109 in Tennessee. Assets changed 4.4% and deposits 4.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.51% |
| Return on equity | 5.76% |
| Net interest margin (YTD) | 3.18% |
| Equity to assets | 8.86% |
| Tier 1 leverage ratio | 10.68% |
| Uninsured deposits (share of deposits) | 15.6% |
| Noncurrent loans (share of loans) | 0.49% |
| Net charge-offs (share of loans) | 0.03% |
| Loans to deposits | 44.2% |
| Real estate loans (share of loans) | 89.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $88.53M | 89.6% | |
| Commercial & industrial | $5.05M | 5.1% | |
| Consumer / individual | $5.10M | 5.2% | |
| Construction & development | $16.79M | 17.0% | |
| Agricultural | $855.00K | 0.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $243.04M | $223.41M | $405.00K | $18.70M |
| Jun 2023 | $216.94M | $198.44M | $81.00K | $17.20M |
| Jun 2024 | $224.30M | $204.65M | -$260.00K | $17.80M |
| Jun 2025 | $236.53M | $214.77M | $363.00K | $19.92M |
| Jun 2026 | $247.00M | $223.53M | $626.00K | $21.87M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Tennessee | $223.53M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $223.53M.
Similar-sized banks
Penncrest Bank ($247.14M) · Cornerstone State Bank ($246.96M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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