The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

From Q2 2025 to Q2 2026, the score fell 3 points (76 → 73), mostly because the funding & liquidity component weakened by 11 points.

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in Tennessee

Yes. UBank is an FDIC-insured institution (FDIC certificate #1693). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 43.7% of deposits ($69.2M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 13.14%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

UBank lists 2 offices in 2 cities. Most locations:

• Jellico, TN (1)
• Knoxville, TN (1)

All branch addresses and map

In 2025, UBank reported 57 home-loan applications under HMDA (LEI 549300BG5GYUSWMP2R94): 47 originated ($8,345,000 total), 5 denied, and 5 withdrawn or closed by the applicant. Its denial rate on decided applications was 9.6%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

UBank

Former names

Union Bank

Type

State-chartered bank

FDIC certificate #

1693

RSSD ID

423636

Primary regulator

FDIC

Holding company

U Bancshares Inc

Established

January 1, 1918

Headquarters

155 N Campbell Station Rd, Knoxville, TN 37934

Website

www.ubank.bank

Employees

22