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Union Bank & Trust Company
Livingston, TN · FDIC Certificate #9179 · Chartered 01/0
Total assets
$98.06M
Total deposits
$85.00M
Total equity
$12.50M
Net loans
$66.66M
Branches (offices)
1
Net income (YTD)
$983.00K
Rank: #3,690 of 4,213 U.S. banks by assets · #104 of 109 in Tennessee. Assets changed 1.0% and deposits 0.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.02% |
| Return on equity | 15.48% |
| Net interest margin (YTD) | 5.41% |
| Equity to assets | 12.75% |
| Tier 1 leverage ratio | 12.87% |
| Uninsured deposits (share of deposits) | 19.0% |
| Noncurrent loans (share of loans) | 2.63% |
| Net charge-offs (share of loans) | 0.05% |
| Loans to deposits | 78.4% |
| Real estate loans (share of loans) | 88.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $58.82M | 88.2% | |
| Commercial & industrial | $3.55M | 5.3% | |
| Consumer / individual | $4.65M | 7.0% | |
| Construction & development | $1.32M | 2.0% | |
| Agricultural | $852.00K | 1.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $106.82M | $95.52M | $912.00K | $11.02M |
| Jun 2023 | $99.48M | $88.82M | $952.00K | $10.29M |
| Jun 2024 | $95.08M | $83.84M | $799.00K | $10.74M |
| Jun 2025 | $97.05M | $84.27M | $867.00K | $12.17M |
| Jun 2026 | $98.06M | $85.00M | $983.00K | $12.50M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Tennessee | $85.00M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $85.00M.
Similar-sized banks
Silex Banking Company ($98.17M) · Bank Of Lindsay ($97.88M)
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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