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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Jamestown, TN · FDIC certificate #6088
UNION BANK is an FDIC-insured institution based in Jamestown, TN (FDIC certificate #6088). In its Q3 2026 Call Report it reported total assets of $243M, total deposits of $221M and net loans of $102M. Its primary federal regulator is FDIC.
Plain-language readout
UNION BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $249M in Q1 2026 and were lowest at $243M in Q3 2026.
Total deposits were highest at $226M in Q1 2026 and lowest at $221M in Q3 2026.
Over the whole period total assets fell 2.4%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $243M | $221M | $102M | 0.57% | 6.56% | 3.22% |
| Q2 2026 | $247M | $224M | $99M | 0.51% | 5.76% | 3.18% |
| Q1 2026 | $249M | $226M | $97M | 0.44% | 4.94% | 3.13% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $21.9M | $19.0M | +$2.9M | +15.1% |
| Federal funds sold | $2.5M | $7.1M | -$4.6M | -64.7% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $107.5M | $110.1M | -$2.6M | -2.4% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $98.8M | $96.7M | +$2.1M | +2.2% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $5.5M | $5.6M | -$60K | -1.1% |
| Other real estate owned | $228K | $229K | -$1K | -0.4% |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $10.6M | $10.6M | +$3K | +0.0% |
| Total assets | $247.0M | $249.3M | -$2.3M | -0.9% |
| Liabilities | ||||
| Total deposits | $223.5M | $226.2M | -$2.7M | -1.2% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $1.6M | $1.5M | +$132K | +9.0% |
| Total liabilities | $225.1M | $227.6M | -$2.5M | -1.1% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $1.0M | $1.0M | $0K | 0.0% |
| Surplus | $1.0M | $1.0M | $0K | 0.0% |
| Retained earnings | $24.1M | $24.0M | +$169K | +0.7% |
| Accumulated other comprehensive income | -$4.3M | -$4.3M | +$60K | +1.4% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $21.9M | $21.6M | +$229K | +1.1% |
| Credit and capital | ||||
| Gross nonperforming assets | $718K | $741K | -$23K | -3.1% |
| Adjusted nonperforming assets | $718K | $741K | -$23K | -3.1% |
| Tangible equity plus allowance | $22.6M | $22.3M | +$258K | +1.2% |
| Texas ratio (gross) | 3.18% | 3.32% | -0.14 pts | See points |
| Texas ratio (adjusted) | 3.18% | 3.32% | -0.14 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 3.18% | 3.32% | -0.14 pts | See points |
| Tier 1 capital to risk-weighted assets | 21.26% | 21.23% | +0.04 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 21.26% | 21.23% | +0.04 pts | See points |
| Tier 2 capital to risk-weighted assets | 0.62% | 0.60% | +0.02 pts | See points |
| Total risk-based capital to risk-weighted assets | 21.88% | 21.82% | +0.06 pts | See points |
| Tier 1 leverage (approximate) | 10.68% | 10.65% | +0.03 pts | See points |
| Construction and land loans to total capital | 62.42% | 66.81% | -4.39 pts | See points |
| Commercial real estate to total capital | 102.20% | 100.20% | +2.00 pts | See points |
| Dividend payout, year to date | 30.03% | 0.00% | +30.03 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -40.78% | -41.26% | +0.48 pts | See points |
| Liquidity | ||||
| Core deposits | $186.0M | $189.0M | -$3.0M | -1.6% |
| Non-core funding | $37.5M | $37.2M | +$345K | +0.9% |
| Loans to core deposits | 53.52% | 51.53% | +1.98 pts | See points |
| Loans to deposits | 44.53% | 43.06% | +1.47 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 27.68% | 20.10% | +7.58 pts | See points |
| Loans pledged, share of loans | 0.00% | 0.00% | 0.00 pts | See points |
| Volatile liabilities | $37.5M | $37.2M | +$345K | +0.9% |
| Earnings | ||||
| Earnings before provision, year to date | $796K | $330K | +$466K | +141.2% |
| Earnings before provision, single quarter | $466K | $330K | +$136K | +41.2% |
| Provision for credit losses, year to date | $50K | $20K | +$30K | +150.0% |
| Yield and cost | ||||
| Yield on loans and leases | 7.43% | 7.40% | +0.03 pts | See points |
| Yield on interest-bearing balances due from banks | 3.64% | 3.70% | -0.06 pts | See points |
| Total interest income to average assets | 4.50% | 4.39% | +0.11 pts | See points |
| Cost of interest-bearing transaction accounts | 0.55% | 0.50% | +0.05 pts | See points |
| Cost of savings and money market deposits | 0.45% | 0.52% | -0.07 pts | See points |
| Cost of time deposits | 3.31% | 3.32% | -0.01 pts | See points |
| Total interest expense to average assets | 1.53% | 1.51% | +0.02 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $243M | $221M | $102M | 0.57% | 6.56% | 3.22% |
| 2026-06-30 | $247M | $224M | $99M | 0.51% | 5.76% | 3.18% |
| 2026-03-31 | $249M | $226M | $97M | 0.44% | 4.94% | 3.13% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| TN | $214.8M | 0.09% | 110 | Continuing · +0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.