UBank

Overview / Commentary

www.ubank.bank

423-784-9446

1075 Fifth Street
Jellico, TN 37762

UBank is headquartered in Jellico and is the 121^st largest bank in the state of Tennessee. It is also the 4,258^th largest bank in the nation. It was established in 1918 and as of September of 2021, it had grown to 23 employees at 2 locations. UBank has an A health rating.

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Health

Data as of Q3 2021

Learn why bank health matters

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. UBank has a relatively low asset base.

Health Grade Components

Overall
FDIC Certificate #	1693
Year Established	1918
Employees	23
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	-0.03%
Return on Equity - YTD	-0.18%
Annual Interest Income	$2.2MM

Assets and Liabilities
Assets	Q3 2021vs Q3 2020	$81.7MM$75.5MM
Loans	Q3 2021vs Q3 2020	$43.6MM$57.2MM
Deposits	Q3 2021vs Q3 2020	$66.5MM$59.5MM
Equity Capital	Q3 2021vs Q3 2020	$14.2MM$9.8MM
Loan Loss Allowance	Q3 2021vs Q3 2020	$588.00K$495.00K
Unbacked Noncurrent Loans	Q3 2021vs Q3 2020	$35.00K$314.00K
Real Estate Owned	Q3 2021vs Q3 2020	$6.00K$214.00K

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

UBank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.25%	$100	-	Variable IRA
0.05%	$10	-	USave - Savings

UBank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.20%^*	$50k^*	-	UFirst - Money Market
OTHER TIERS: 0.10% → $2.5k - $50k

UBank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.05%	$100	-	UMax - Checking

UBank CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.40%	$1k	-	60 Month CD
0.35%	$1k	-	48 Month CD
0.30%	$1k	-	36 Month CD
0.25%	$1k	-	18 Month CD
0.25%	$1k	-	24 Month CD
0.25%	$100	-	Education CD
0.20%	$1k	-	12 Month CD
0.15%	$1k	-	182 Day CD
0.10%	$1k	-	91 Day CD

UBank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
0.40%	$100	-	60 Month IRA
0.35%	$100	-	48 Month IRA
0.30%	$100	-	36 Month IRA
0.25%	$100	-	18 Month IRA
0.25%	$100	-	24 Month IRA
0.20%	$100	-	12 Month IRA
0.15%	$100	-	182 Day IRA
0.10%	$100	-	91 Day IRA

Locations

UBank Locations
Ubank	1075 Fifth Street	Jellico, TN 37762
Ubank Knoxville Branch	155 North Campbell Station Road	Knoxville, TN 37934

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