Headquartered in Jamestown, Tennessee, Union Bank is a state-chartered bank with $247.0M in total assets and $223.5M in deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1904.
Based on its Q2 2026 filing, Union Bank scores 71/100, which we describe as strong. That is higher than only 47% of 2,650 banks with $100 million – $1 billion. Among 109 banks headquartered in Tennessee, it ranks 53rd. Its strongest component is funding & liquidity (100/100; 44% loans-to-deposits, 16% uninsured), and its lowest is earnings (40/100; 0.51%).
TellerScore · Q2 2026
Scorecard
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.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 9 points (62 → 71), mostly because the loan quality component improved by 26 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 62 |
| Q3 2024 | 64 |
| Q4 2024 | 65 |
| Q1 2025 | 66 |
| Q2 2025 | 62 |
| Q3 2025 | 70 |
| Q4 2025 | 68 |
| Q1 2026 | 69 |
| Q2 2026 | 71 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.40% |
| Q3 2024 | 11.31% |
| Q4 2024 | 10.96% |
| Q1 2025 | 10.81% |
| Q2 2025 | 10.71% |
| Q3 2025 | 10.86% |
| Q4 2025 | 10.82% |
| Q1 2026 | 10.65% |
| Q2 2026 | 10.68% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.98% |
| Q3 2024 | 0.90% |
| Q4 2024 | 0.80% |
| Q1 2025 | 0.67% |
| Q2 2025 | 1.26% |
| Q3 2025 | 0.59% |
| Q4 2025 | 0.80% |
| Q1 2026 | 0.53% |
| Q2 2026 | 0.49% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.23% |
| Q3 2024 | -0.07% |
| Q4 2024 | 0.02% |
| Q1 2025 | 0.09% |
| Q2 2025 | 0.31% |
| Q3 2025 | 0.45% |
| Q4 2025 | 0.48% |
| Q1 2026 | 0.44% |
| Q2 2026 | 0.51% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 71 | $247.0M | 10.68% | 0.49% | 0.51% | 44.2% |
| Q1 2026 | 69 | $249.3M | 10.65% | 0.53% | 0.44% | 42.8% |
| Q4 2025 | 68 | $240.5M | 10.82% | 0.80% | 0.48% | 43.6% |
| Q3 2025 | 70 | $238.8M | 10.86% | 0.59% | 0.45% | 42.7% |
| Q2 2025 | 62 | $236.5M | 10.71% | 1.26% | 0.31% | 40.9% |
| Q1 2025 | 66 | $238.6M | 10.81% | 0.67% | 0.09% | 39.7% |
| Q4 2024 | 65 | $229.8M | 10.96% | 0.80% | 0.02% | 39.3% |
| Q3 2024 | 64 | $226.3M | 11.31% | 0.90% | -0.07% | 37.9% |
| Q2 2024 | 62 | $224.3M | 11.40% | 0.98% | -0.23% | 36.7% |
2,650 peers · $100 million – $1 billion
How it compares with peers
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
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Homeland Community BankBank Mcminnville, TN | 67 out of 100, Moderate | $244.1M | 8.5% | 0.36% | vs |
| Bank of Perry CountyBank Lobelville, TN | 71 out of 100, Strong | $253.1M | 9.1% | 0.38% | vs |
| Mountain Valley BankBank Dunlap, TN | 62 out of 100, Moderate | $254.6M | 10.0% | 0.54% | vs |
| Farmers State BankBank Mountain City, TN | 73 out of 100, Strong | $232.6M | 12.6% | 0.83% | vs |
| Peoples Bank of the SouthBank La Follette, TN | 76 out of 100, Strong | $232.0M | 12.4% | 0.85% | vs |
| Bank of Lincoln CountyBank Fayetteville, TN | 86 out of 100, Very strong | $230.1M | 12.2% | 0.01% | vs |
Deposit insurance
Is my money safe at Union Bank?
Yes. Union Bank is an FDIC-insured institution (FDIC certificate #6088). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 15.6% of deposits ($35.0M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.68%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 21.88% (benchmark: 10%).
3 locations
Branches
Union Bank lists 3 offices in 3 cities. Most locations:
- Byrdstown, TN (1)
- Clarkrange, TN (1)
- Jamestown, TN (1)
Identity & history
Profile
- Legal name
- Union Bank
- Type
- State-chartered bank
- FDIC certificate #
- 6088
- RSSD ID
- 235231
- Primary regulator
- FDIC
- Holding company
- Jamestown Union Bancshares Inc
- Established
- January 1, 1904
- Headquarters
- 311 N Main St, Jamestown, TN 38556
- Website
- myunion.bank
- Employees
- 41
Quick answers
Union Bank: common questions
Is Union Bank FDIC insured?
Yes. Union Bank is an FDIC-insured institution (FDIC certificate #6088). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Union Bank's TellerScore?
71 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Union Bank ever failed?
There is no failure record for FDIC certificate #6088 in the FDIC failed bank list.
How many branches does Union Bank have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Jamestown
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First National Bank of TennesseeBank Livingston, TN | 86 out of 100, Very strong | $1.4B | 11.6% | 0.28% | vs |
| The First National Bank of OneidaBank Oneida, TN | 82 out of 100, Strong | $367.8M | 11.0% | 0.27% | vs |
| One Bank of TennesseeBank Cookeville, TN | 79 out of 100, Strong | $1.7B | 9.1% | 0.01% | vs |
| First & Farmers National Bank, Inc.Bank Somerset, KY | 75 out of 100, Strong | $714.2M | 11.5% | 0.77% | vs |
| Builtwell BankBank Chattanooga, TN | 73 out of 100, Strong | $2.3B | 9.7% | 0.57% | vs |
| Upper Cumberland Federal Credit UnionCredit union Crossville, TN | 72 out of 100, Strong | $140.5M | 9.9% | 0.20% | vs |