BanksUNION BANK AND TRUST COMPANY

UNION BANK AND TRUST COMPANY

LINCOLN, NELargeEst. Feb. 28, 1917, midnightFDIC #13421RSSD #450856FDIC
Latest · 2025-12-31

UNION BANK AND TRUST COMPANY is an 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%. CET1 capital ratio: 12.37%, well above regulatory minimums. NPL ratio: 0.48% · Texas Ratio: 3.11%. Operates 36 domestic branches.

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 Margin3.82%
Yield on Assets6.41%
Cost of Funds2.70%

Asset Quality

NPL Ratio0.48%
Net Charge-Off Ratio0.15%
Texas Ratio3.11%
NPA Ratio0.36%
ACL / Loans1.59%

Capital & Liquidity

CET1 Ratio12.37%
Tier 1 Capital12.37%
Total Capital Ratio13.63%
Leverage Ratio10.39%
Loan-to-Deposit88.63%

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