Bank Comparison
Kearney Trust Company vs Union Bank, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 9
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Kearney Trust Company | Union Bank, the |
|---|---|---|
| CET1 Ratio | 20.43% | — |
| Tier 1 Capital Ratio | 20.43% | — |
| Total Capital Ratio | 21.68% | — |
| Tier 1 Leverage Ratio | 11.74% | 9.58% |
| Equity / Assets | 10.85% | 8.80% |
Profitability
| Metric | Kearney Trust Company | Union Bank, the |
|---|---|---|
| Return on Assets (ROA) | 2.23% | 1.70% |
| Return on Equity (ROE) | 20.36% | 19.54% |
| Net Interest Margin (NIM) | 3.97% | 4.22% |
| Yield on Earning Assets | 5.38% | 5.96% |
| Cost of Funds | 1.54% | 1.89% |
Asset quality
| Metric | Kearney Trust Company | Union Bank, the |
|---|---|---|
| Texas Ratio | 0.00% | 9.73% |
| Non-Performing Loan Ratio | 0.00% | 1.45% |
| Non-Performing Asset Ratio | 0.00% | 0.88% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.45% | 1.06% |
Balance sheet
| Metric | Kearney Trust Company | Union Bank, the |
|---|---|---|
| Total Assets | $325,102K | $325,433K |
| Total Deposits | $287,758K | $294,215K |
| Total Loans | $174,966K | $196,292K |
| Total Equity | $35,281K | $28,625K |
| Net Income (quarter) | $1,770K | $1,408K |
Liquidity & funding
| Metric | Kearney Trust Company | Union Bank, the |
|---|---|---|
| Loan-to-Deposit Ratio | 60.80% | 66.72% |
| Core Deposit Ratio | 91.84% | 92.65% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Kearney Trust Company | Union Bank, the |
|---|---|---|
| Headquarters City | Kearney | BEULAH |
| Headquarters State | MO | ND |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 2 | 6 |
| Employees (FTE) | 38 | 46 |
| Established | June 10, 1882, midnight | Jan. 1, 1899, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
View full Kearney Trust Company profile | View full Union Bank, the profile | Browse all bank comparisons