Union Bank
Total assets
$247.0M
▲ +4.4% YoY
Deposits
$223.5M
▲ +4.1% YoY
Loans
$98.8M
▲ +12.4% YoY
Offices
3
JAMESTOWN UNION BANCSHARES INC
ROA (annualized)
0.51%
peers 1.24%
ROE (annualized)
5.76%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | Union Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.4% | +4.4% | +0.1 pts |
| Deposit growth (YoY) | +4.1% | +4.0% | +0.1 pts |
| Loan growth (YoY) | +12.4% | +5.6% | +6.8 pts |
| ROA | 0.51% | 1.24% | -0.7 pts |
| ROE | 5.8% | 11.9% | -6.1 pts |
ROA ranks in the 13th percentile of its peer group · Q2 2026
Profile
- Established
- 1904
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- JAMESTOWN UNION BANCSHARES INC
- Specialization
- All Other Under 1 Billion
- Address
- 311 N Main St, Jamestown, TN, 38556
- County
- Fentress
- Offices
- 3
- FDIC cert #
- 6088
- RSSD ID
- 235231
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $247.0M | $223.5M | $98.8M | $21.9M | $626K | 0.51% | 3.18% | 0.29% |
| Q1 2026 | $249.3M | $226.2M | $96.7M | $21.6M | $268K | 0.44% | 3.13% | 0.30% |
| Q4 2025 | $240.5M | $217.0M | $94.7M | $21.7M | $1.1M | 0.48% | 2.97% | 0.32% |
| Q3 2025 | $238.8M | $216.0M | $92.2M | $21.2M | $792K | 0.45% | 2.91% | 0.23% |
| Q2 2025 | $236.5M | $214.8M | $87.9M | $19.9M | $363K | 0.31% | 2.81% | 0.47% |
| Q1 2025 | $238.6M | $217.5M | $86.2M | $19.3M | $50K | 0.09% | 2.65% | 0.24% |
| Q4 2024 | $229.8M | $209.7M | $82.4M | $18.2M | $36K | 0.02% | 2.45% | 0.29% |
| Q3 2024 | $226.3M | $204.7M | $77.6M | $19.8M | $-125K | -0.07% | 2.41% | 0.31% |
Loan mix (Q2 2026): real estate $88.5M · commercial $5.0M · consumer $5.1M · securities $107.5M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Union Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.51% | 1.24% | 13th | |
Return on equity Annualized net income ÷ equity or net worth | 5.8% | 11.9% | 17th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.18% | 3.96% | 16th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.2% | 62.9% | 85th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Union Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Union Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Union Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Union Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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