Union Bank & Trust Company (FDIC certificate #9179) is based in Livingston, Tennessee. Its Q2 2026 call report shows $98.1M in total assets and $85.0M in deposits and 1 office.
Based on its Q2 2026 filing, Union Bank & Trust Company scores 66/100, which we describe as moderate. That is higher than only 28% of 546 banks with under $100 million in assets. Among 109 banks headquartered in Tennessee, it ranks 77th. Its strongest component is earnings (100/100; 2.02%), and its lowest is loan quality (12/100; 2.63%).
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 fell 18 points (84 → 66), mostly because the loan quality component weakened by 68 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 60 |
| Q3 2024 | 81 |
| Q4 2024 | 85 |
| Q1 2025 | 84 |
| Q2 2025 | 84 |
| Q3 2025 | 83 |
| Q4 2025 | 71 |
| Q1 2026 | 66 |
| Q2 2026 | 66 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.86% |
| Q3 2024 | 13.62% |
| Q4 2024 | 13.84% |
| Q1 2025 | 12.97% |
| Q2 2025 | 13.17% |
| Q3 2025 | 13.71% |
| Q4 2025 | 14.30% |
| Q1 2026 | 12.73% |
| Q2 2026 | 12.87% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 3.24% |
| Q3 2024 | 1.06% |
| Q4 2024 | 0.74% |
| Q1 2025 | 0.53% |
| Q2 2025 | 0.59% |
| Q3 2025 | 0.65% |
| Q4 2025 | 2.47% |
| Q1 2026 | 2.59% |
| Q2 2026 | 2.63% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.66% |
| Q3 2024 | 1.69% |
| Q4 2024 | 1.77% |
| Q1 2025 | 1.81% |
| Q2 2025 | 1.81% |
| Q3 2025 | 1.71% |
| Q4 2025 | 1.98% |
| Q1 2026 | 2.17% |
| Q2 2026 | 2.02% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 66 | $98.1M | 12.87% | 2.63% | 2.02% | 78.4% |
| Q1 2026 | 66 | $98.4M | 12.73% | 2.59% | 2.17% | 76.1% |
| Q4 2025 | 71 | $95.6M | 14.30% | 2.47% | 1.98% | 84.3% |
| Q3 2025 | 83 | $94.5M | 13.71% | 0.65% | 1.71% | 83.9% |
| Q2 2025 | 84 | $97.0M | 13.17% | 0.59% | 1.81% | 77.8% |
| Q1 2025 | 84 | $96.0M | 12.97% | 0.53% | 1.81% | 78.0% |
| Q4 2024 | 85 | $94.8M | 13.84% | 0.74% | 1.77% | 77.3% |
| Q3 2024 | 81 | $96.2M | 13.62% | 1.06% | 1.69% | 76.0% |
| Q2 2024 | 60 | $95.1M | 12.86% | 3.24% | 1.66% | 75.8% |
546 peers · Under $100 million in assets
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 |
|---|---|---|---|---|---|
| Lawrenceburg Federal BankBank Lawrenceburg, TN | 79 out of 100, Strong | $95.2M | 18.4% | 0.41% | vs |
| Farmers BankBank Parsons, TN | 60 out of 100, Moderate | $94.8M | 9.1% | 0.31% | vs |
| Highland Federal Savings and Loan AssociationBank Crossville, TN | 89 out of 100, Very strong | $79.0M | 22.2% | 0.00% | vs |
| The Lauderdale County BankBank Halls, TN | 67 out of 100, Moderate | $67.5M | 11.5% | 1.50% | vs |
| Brighton BankBank Brighton, TN | 63 out of 100, Moderate | $51.0M | 9.8% | 0.07% | vs |
Deposit insurance
Is my money safe at Union Bank & Trust Company?
Yes. Union Bank & Trust Company is an FDIC-insured institution (FDIC certificate #9179). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 19.0% of deposits ($16.1M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.87%, 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%).
1 location
Branches
Union Bank & Trust Company lists 1 office in 1 city. Most locations:
- Livingston, TN (1)
Identity & history
Profile
- Legal name
- Union Bank & Trust Company
- Type
- State-chartered bank
- FDIC certificate #
- 9179
- RSSD ID
- 80431
- Primary regulator
- FDIC
- Holding company
- Overton Financial Services Inc
- Established
- January 1, 1932
- Headquarters
- 201 E Main St, Livingston, TN 38570
- Website
- www,ubtconline.com
- Employees
- 16
Quick answers
Union Bank & Trust Company: common questions
Is Union Bank & Trust Company FDIC insured?
Yes. Union Bank & Trust Company is an FDIC-insured institution (FDIC certificate #9179). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Union Bank & Trust Company's TellerScore?
66 out of 100 (Moderate), 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 & Trust Company ever failed?
There is no failure record for FDIC certificate #9179 in the FDIC failed bank list.
How many branches does Union Bank & Trust Company have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Livingston
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Middle Tennessee Federal Credit UnionCredit union Cookeville, TN | 96 out of 100, Very strong | $71.3M | 16.8% | 0.40% | vs |
| FSNB, National AssociationBank Lawton, OK | 96 out of 100, Very strong | $478.3M | 17.5% | 0.36% | vs |
| Citizens BankBank Carthage, TN | 92 out of 100, Very strong | $832.5M | 16.3% | 0.62% | vs |
| First National Bank of TennesseeBank Livingston, TN | 86 out of 100, Very strong | $1.4B | 11.6% | 0.28% | vs |
| First Freedom BankBank Lebanon, TN | 85 out of 100, Very strong | $817.8M | 12.5% | 0.01% | vs |
| Ascend Federal Credit UnionCredit union Tullahoma, TN | 83 out of 100, Strong | $4.8B | 14.6% | 0.49% | vs |