BlastPoint's Banking Scorecard
Union Bank
Micro
Specialty: Other
TN
FDIC cert 6088
Designations: ✓ Community bank
Jamestown, TN
2498
banks in Micro tier nationally
57 in TN
View Micro leaderboard (TN) →
Union Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 30.92% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$240.5M
+4.7% YoY
+0.7% QoQ
|
+$23.0M |
$217.5M
+2.3% YoY
|
$2.2B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
60% |
| Total Loans ? |
$94.7M
+14.9% YoY
+2.6% QoQ
|
-$44.5M |
$139.2M
+2.8% YoY
|
$1.6B
+8.0% YoY
|
$3.1B
+8.5% YoY
|
41% |
| Total Deposits ? |
$217.0M
+3.5% YoY
+0.5% QoQ
|
+$33.4M |
$183.7M
+1.8% YoY
|
$1.9B
+7.5% YoY
|
$4.7B
+6.3% YoY
|
64% |
| Return on Assets ? |
0.48%
+6.3% QoQ
|
-0.61% |
1.08%
+14.7% YoY
|
1.12%
+10.3% YoY
|
1.12%
+15.6% YoY
|
18% |
| Net Interest Margin ? |
2.97%
+21.4% YoY
+2.1% QoQ
|
-0.88% |
3.85%
+6.6% YoY
|
3.88%
+7.5% YoY
|
3.75%
+7.1% YoY
|
15% |
| Efficiency Ratio ? |
81.47%
-20.5% YoY
-2.2% QoQ
|
+13.74% |
67.73%
-4.8% YoY
|
65.37%
-3.6% YoY
|
65.09%
-5.1% YoY
|
19% |
| Delinquency Rate ? |
0.81%
+0.7% YoY
+36.4% QoQ
|
+0.17% |
0.64%
+24.4% YoY
|
0.47%
-3.0% YoY
|
0.66%
+20.3% YoY
|
34% |
| Loan-to-Deposit Ratio ? |
43.61%
+11.0% YoY
+2.1% QoQ
|
-30.92% |
74.53%
+0.5% YoY
|
80.28%
+1.8% YoY
|
78.04%
+0.7% YoY
|
Top 8% in tier |
| Non-Interest-Bearing Deposit Share ? |
28.54%
-2.5% YoY
-2.5% QoQ
|
+6.15% |
22.39%
-1.3% YoY
|
18.56%
-3.5% YoY
|
21.79%
-1.3% YoY
|
75% |
| Nonperforming Asset Ratio ? |
0.32%
+10.6% YoY
+39.1% QoQ
|
-0.13% |
0.45%
+25.1% YoY
|
0.45%
+14.3% YoY
|
0.48%
+20.8% YoY
|
48% |
| Tier 1 Capital Ratio ? |
21.67%
-1.4% YoY
-0.0% QoQ
|
+12.82% |
8.85%
-3.4% YoY
|
10.10%
+3.0% YoY
|
9.75%
-1.9% YoY
|
Top 11% in tier |
| Non-Interest Income / Assets ? |
0.41%
-18.2% YoY
+30.3% QoQ
|
-0.15% |
0.56%
+0.3% YoY
|
0.72%
-2.8% YoY
|
0.65%
+0.6% YoY
|
57% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 8%
in Micro
Why this stands out
Current:
43.61%
(Tier avg: 74.53%, National avg: 78.04%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
92
92th pctile
Loan-to-Deposit Ratio
Current: 43.61% · Tier avg: 74.53%
89
89th pctile
Tier 1 Capital Ratio
Current: 21.67% · Tier avg: 8.85%
75
75th pctile
Non-Interest-Bearing Deposit Share
Current: 28.54% · Tier avg: 22.39%
64
64th pctile
Total Deposits
Current: $217.0M · Tier avg: $183.7M
60
60th pctile
Total Assets
Current: $240.5M · Tier avg: $217.5M
57
57th pctile
Non-Interest Income / Assets
Current: 0.41% · Tier avg: 0.56%
48
48th pctile
Nonperforming Asset Ratio
Current: 0.32% · Tier avg: 0.45%
41
41th pctile
Total Loans
Current: $94.7M · Tier avg: $139.2M
34
34th pctile
Delinquency Rate
Current: 0.81% · Tier avg: 0.64%
19
19th pctile
Efficiency Ratio
Current: 81.47% · Tier avg: 67.73%
18
18th pctile
Return on Assets
Current: 0.48% · Tier avg: 1.08%
15
15th pctile
Net Interest Margin
Current: 2.97% · Tier avg: 3.85%
Top Weaknesses
15
15th pctile
Net Interest Margin
Current: 2.97% · Tier avg: 3.85%
18
18th pctile
Return on Assets
Current: 0.48% · Tier avg: 1.08%
19
19th pctile
Efficiency Ratio
Current: 81.47% · Tier avg: 67.73%
34
34th pctile
Delinquency Rate
Current: 0.81% · Tier avg: 0.64%
41
41th pctile
Total Loans
Current: $94.7M · Tier avg: $139.2M
48
48th pctile
Nonperforming Asset Ratio
Current: 0.32% · Tier avg: 0.45%
57
57th pctile
Non-Interest Income / Assets
Current: 0.41% · Tier avg: 0.56%
60
60th pctile
Total Assets
Current: $240.5M · Tier avg: $217.5M
64
64th pctile
Total Deposits
Current: $217.0M · Tier avg: $183.7M
75
75th pctile
Non-Interest-Bearing Deposit Share
Current: 28.54% · Tier avg: 22.39%
89
89th pctile
Tier 1 Capital Ratio
Current: 21.67% · Tier avg: 8.85%
92
92th pctile
Loan-to-Deposit Ratio
Current: 43.61% · Tier avg: 74.53%