UNION BANK AND TRUST COMPANY

MINNEAPOLIS, MN | Small | Est. March 15, 1976, midnight | FDIC #22242 | RSSD #689759 | FDIC
Latest Report: 2025-12-31

UNION BANK AND TRUST COMPANY is asn small FDIC-insured commercial bank headquartered in MINNEAPOLIS, MN, established in March 15, 1976, midnight. As of 2025-12-31, the bank reported total assets of $239M and total deposits of $216M. Profitability stands at 1.13% ROA and 13.42% ROE, with a net interest margin of 4.07%. The bank's CET1 capital ratio is 17.20%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 3.90% and a Texas Ratio of 28.87%. FDIC Certificate #22242.

Assets

$239M

Deposits

$216M

Loans

$105M

Equity

$21M

Profitability

Return on Assets (ROA) 1.13%
Return on Equity (ROE) 13.42%
Net Interest Margin (NIM) 4.07%
Yield on Assets 4.49%
Cost of Funds 0.43%

Asset Quality

NPL Ratio 3.90%
Net Charge-Off Ratio 0.42%
Texas Ratio 28.87%
NPA Ratio 2.77%
ACL / Loans 1.88%

Capital & Liquidity

CET1 Ratio 17.20%
Tier 1 Capital 17.20%
Total Capital Ratio 18.46%
Leverage Ratio 9.74%
Loan-to-Deposit 48.47%

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