Bank Comparison
Union Bank and Trust Company vs Sei Private Trust Company
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 9
winning metrics across 16 comparable rows
Capital adequacy
| Metric | Union Bank and Trust Company | Sei Private Trust Company |
|---|---|---|
| CET1 Ratio | 16.71% | — |
| Tier 1 Capital Ratio | 16.71% | — |
| Total Capital Ratio | 17.96% | — |
| Tier 1 Leverage Ratio | 9.91% | 85.73% |
| Equity / Assets | 8.84% | 91.08% |
Profitability
| Metric | Union Bank and Trust Company | Sei Private Trust Company |
|---|---|---|
| Return on Assets (ROA) | 1.00% | 47.57% |
| Return on Equity (ROE) | 10.45% | 55.31% |
| Net Interest Margin (NIM) | 4.25% | 3.68% |
| Yield on Earning Assets | 4.71% | 3.69% |
| Cost of Funds | 0.46% | 4.00% |
Asset quality
| Metric | Union Bank and Trust Company | Sei Private Trust Company |
|---|---|---|
| Texas Ratio | 28.84% | 0.00% |
| Non-Performing Loan Ratio | 3.66% | — |
| Non-Performing Asset Ratio | 2.82% | 0.00% |
| Net Charge-Off Ratio | 0.00% | — |
| ACL / Loans | 2.01% | — |
Balance sheet
| Metric | Union Bank and Trust Company | Sei Private Trust Company |
|---|---|---|
| Total Assets | $230,791K | $230,635K |
| Total Deposits | $208,929K | $500 |
| Total Loans | $108,445K | $0 |
| Total Equity | $20,408K | $210,069K |
| Net Income (quarter) | $541 | $29,766K |
Liquidity & funding
| Metric | Union Bank and Trust Company | Sei Private Trust Company |
|---|---|---|
| Loan-to-Deposit Ratio | 51.91% | 0.00% |
| Core Deposit Ratio | 98.55% | 0.00% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Union Bank and Trust Company | Sei Private Trust Company |
|---|---|---|
| Headquarters City | MINNEAPOLIS | OAKS |
| Headquarters State | MN | PA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 716509 |
| Regulator | FDIC | OCC |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 41 | 643 |
| Established | March 15, 1976, midnight | Jan. 2, 2001, 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.
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