Union Bank and Trust Company
Union Bank and Trust Company reported total assets of $9.2 bn at Q2 2026, up 5.0% on a year earlier, the 172nd largest of 497 banks in our US coverage. The CET1 capital ratio at Union Bank and Trust Company was 12.70%, and the uninsured share of Union Bank and Trust Company was 11.78%. Source: FDIC Call Reports.
Key takeaways
- On common equity tier 1 (CET1) ratio, Union Bank and Trust Company climbed from 376th to 264th among 448 US banks between and (1 = highest; FDIC Call Reports).
- Union Bank and Trust Company reports one of the lowest uninsured share of domestic deposits readings among banks of $1 bn to $10 bn: 11.78% at , where the median of the 339 banks is 32.61% (FDIC Call Reports).
What sets Union Bank and Trust Company apart
How large is Union Bank and Trust Company?
The balance sheet of Union Bank and Trust Company at : assets $9.2 bn, deposits $7.5 bn, net loans $6.9 bn (loans equal to 91.63% of deposits). Securities make up 19.6% of total assets at Union Bank and Trust Company. Since , when Union Bank and Trust Company held $3.5 bn, its assets grew 164.9%. In the year to , deposits at Union Bank and Trust Company rose 2.2% while its total assets rose 5.0%. At , Union Bank and Trust Company employed 1,069 full-time equivalent staff across 37 offices, about $8.6 mn of assets per employee and $203.2 mn of deposits per office.
How much funding at Union Bank and Trust Company is uninsured?
At Union Bank and Trust Company, uninsured deposits (above the FDIC limit) made up 11.78% of domestic deposits at (+0.41 pp on a year earlier); Union Bank and Trust Company ranks 464th of 500 on this measure. In dollars, Union Bank and Trust Company estimated $885.4 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $7.5 bn | +2.2% | 171st of 499 |
| Net loans and leases | $6.9 bn | +5.0% | 161st of 500 |
| Loan-to-deposit ratio | 91.63% | +2.44 pp | 164th of 500 |
| Tier 1 leverage ratio | 10.65% | +0.85 pp | 212th of 500 |
| Total risk-based capital ratio | 13.96% | +1.05 pp | 259th of 448 |
| Net interest margin | 3.68% | +0.11 pp | 233rd of 500 |
| Return on assets (ROA) | 1.66% | +0.30 pp | 109th of 500 |
| Efficiency ratio | 54.69% | -2.91 pp | 219th of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $13.8 mn | Widened by $2.2 mn | |
| Noncurrent loans to total loans | 0.32% | -0.07 pp | 118th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.10% | +0.04 pp | 266th of 500 (1 = lowest) |
US rank of Union Bank and Trust Company: 1 = highest unless marked 1 = lowest.
Balance sheet
Union Bank and Trust Company: assets, deposits and loans
- Total assets $9.2bn
- Deposits $7.5bn
- Net loans $6.9bn
Capital and securities
The CET1 ratio of Union Bank and Trust Company stood at 12.70% in , +1.05 pp year on year. Low and high at Union Bank and Trust Company since : 10.90% () to 12.92% (). Equity capital of Union Bank and Trust Company at : $999.2 mn, or 10.8% of total assets. Union Bank and Trust Company also reported a total capital ratio of 13.96% for , and a tier 1 leverage ratio of 10.65%.
The available-for-sale portfolio of Union Bank and Trust Company showed an unrealized loss of $13.8 mn at ; the loss widened by $2.2 mn over the year.
Union Bank and Trust Company: capital ratios
- Total capital 14%
- CET1 13%
- Tier 1 leverage 11%
Union Bank and Trust Company: unrealized securities gains and losses
- Available for sale -$14mn
- Held to maturity $0
Profitability and loan quality
For the year to , Union Bank and Trust Company earned a return on equity of 15.67%; return on assets: 1.66%. Net interest margin at Union Bank and Trust Company: 3.68%, +0.11 pp in a year. Union Bank and Trust Company net income: $76.0 mn, up 28.1% year on year. The efficiency ratio of Union Bank and Trust Company was 54.69%: about 55 cents cost per revenue dollar, against 44 cents at the median peer.
At , noncurrent loans were 0.32% of total loans at Union Bank and Trust Company; net charge-offs: 0.10% of average loans. Gross loans and leases at Union Bank and Trust Company: $7.0 bn, up 5.0% in a year.
Union Bank and Trust Company: profitability
- Return on equity 16%
- Net interest margin 3.7%
- Return on assets 1.7%
Peer group of Union Bank and Trust Company
The peer group of Union Bank and Trust Company is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 1 shares the charter type of Union Bank and Trust Company (state nonmember bank), 6 sit in the same size group ($1 bn to $10 bn) and 1 has its head office in Nebraska. Against them, Union Bank and Trust Company shows CET1 ratio 12.70% against a peer median of 13.96%, return on equity 15.67% against a peer median of 18.33% and uninsured deposit share 11.78% against a peer median of 40.39%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Liberty Bank | State-chartered stock savings bank | CT | $9.4 bn | 13.66% | 9.92% | 25.51% | |
| 1st Source Bank | State member bank | IN | $9.3 bn | 14.84% | 14.72% | 53.84% | |
| Lake Forest Bank & Trust Company | National bank | IL | $9.3 bn | 11.16% | 21.10% | 49.90% | |
| Union Bank and Trust Company | State nonmember bank | NE | $9.2 bn | 12.70% | 15.67% | 11.78% | |
| First American Trust, FSB | Federal savings bank | CA | $9.2 bn | 33.45% | 23.05% | 63.84% | |
| The Bancorp Bank | National bank | SD | $9.2 bn | 14.27% | 31.84% | 2.84% | |
| Pinnacle Bank | State nonmember bank | NE | $9.2 bn | 12.35% | 15.56% | 30.89% | |
. FDIC Call Reports.
Last eight quarters
Two years at Union Bank and Trust Company, to : assets +5.0%, deposits +8.5%, equity +21.8%. Staff 995 to 1,069; offices 36 to 37.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $8.8 bn | $8.8 bn | $8.7 bn | $8.8 bn | $8.9 bn | $9.1 bn | $9.2 bn | $9.2 bn |
| Total deposits | $6.9 bn | $7.5 bn | $7.4 bn | $7.4 bn | $7.4 bn | $7.7 bn | $7.6 bn | $7.5 bn |
| Bank equity capital | $820.3 mn | $862.6 mn | $850.1 mn | $874.4 mn | $909.2 mn | $955.6 mn | $956.0 mn | $999.2 mn |
| CET1 ratio | 11.57% | 11.90% | 11.64% | 11.65% | 12.02% | 12.37% | 12.25% | 12.70% |
| Return on equity (ROE) | 14.31% | 15.05% | 14.42% | 13.76% | 14.10% | 15.93% | 14.91% | 15.67% |
| Uninsured share of domestic deposits | 11.31% | 12.25% | 11.92% | 11.37% | 12.60% | 12.13% | 12.75% | 11.78% |
| Full-time equivalent employees | 995 | 987 | 1,004 | 1,015 | 1,037 | 1,053 | 1,043 | 1,069 |
| Number of offices | 36 | 36 | 36 | 36 | 37 | 37 | 37 | 37 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by Union Bank and Trust Company appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.
Questions and identifiers
What were the total assets of Union Bank and Trust Company?
Union Bank and Trust Company reported $9.2 bn at in its Call Report. That makes Union Bank and Trust Company the 172nd largest of 497 banks in our US coverage.
Is Union Bank and Trust Company the same as its holding company?
No. This page covers Union Bank and Trust Company, FDIC certificate 13421; FARMERS&MERCHANTS INV INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Union Bank and Trust Company profitable?
Union Bank and Trust Company reported net income of $76.0 mn for the year to ; annualized return on equity: 15.67%. So yes: Union Bank and Trust Company made a profit over these months.
When is data for Union Bank and Trust Company next updated?
Figures from Union Bank and Trust Company for are due after .
Where can I check the figures for Union Bank and Trust Company?
In the FDIC BankFind Suite record for certificate 13421, and in the Call Reports of Union Bank and Trust Company (RSSD ID 450856) at the FFIEC Central Data Repository.