UNION BANK AND TRUST COMPANY

LINCOLN, NE | Large | Est. Feb. 28, 1917, midnight | FDIC #13421 | RSSD #450856 | FDIC
Latest Report: 2025-12-31

UNION BANK AND TRUST COMPANY is aln large FDIC-insured commercial bank headquartered in LINCOLN, NE, established in Feb. 28, 1917, midnight. As of 2025-12-31, the bank reported total assets of $9.1B and total deposits of $7.7B. Profitability stands at 2.20% ROA and 21.20% ROE, with a net interest margin of 3.82%. The bank's CET1 capital ratio is 12.37%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.48% and a Texas Ratio of 3.11%. FDIC Certificate #13421.

Assets

$9.1B

Deposits

$7.7B

Loans

$6.9B

Equity

$956M

Profitability

Return on Assets (ROA) 2.20%
Return on Equity (ROE) 21.20%
Net Interest Margin (NIM) 3.82%
Yield on Assets 6.41%
Cost of Funds 5.42%

Asset Quality

NPL Ratio 0.48%
Net Charge-Off Ratio 0.15%
Texas Ratio 3.11%
NPA Ratio 0.36%
ACL / Loans 1.59%

Capital & Liquidity

CET1 Ratio 12.37%
Tier 1 Capital 12.37%
Total Capital Ratio 13.63%
Leverage Ratio 10.39%
Loan-to-Deposit 88.63%

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