Side-by-side · Q2 2026 data
Union Bank vs First National Bank of Tennessee
Metric by metric
| Measure | Union Bank | First National Bank of Tennessee |
|---|---|---|
| TellerScore | 71 | 86 (stronger) |
| Capital cushion | 57 | 66 (stronger) |
| Loan quality | 84 | 91 (stronger) |
| Earnings | 40 | 100 (stronger) |
| Funding & liquidity | 100 (stronger) | 91 |
| Problem-loan coverage | 94 | 98 (stronger) |
| Peer percentile | 47th | 97th |
| Total assets | $247.0M | $1.4B |
| Deposits / shares | $223.5M | $1.2B |
| Capital ratio | 10.68% | 11.55% (stronger) |
| Problem loans | 0.49% | 0.28% (stronger) |
| Net charge-offs | 0.03% | 0.01% (stronger) |
| Return on assets | 0.51% | 2.11% (stronger) |
| Loans ÷ deposits | 44.2% (stronger) | 58.6% |
| Uninsured deposits | 15.6% (stronger) | 23.1% |
| Offices | 3 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First National Bank of Tennessee has the higher TellerScore (86 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Union Bank leads on 2 and First National Bank of Tennessee on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.