Union Bank and Trust Company (Lincoln, NE)
BankRegReports is independent of Union Bank and Trust Company and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Union Bank and Trust Company is an FDIC-insured commercial bank headquartered in Lincoln, NE, established in 1917 (FDIC certificate 13421), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $9.24B, up 5.0% from Q2 2025, the 2nd largest of 138 banks headquartered in Nebraska. Its CET1 capital ratio was 12.70% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 13421
- Headquarters
- Lincoln, NE
- Established
- 1917
- Total assets, Q2 2026
- $9.24B
- Assets vs Q2 2025
- +5.0%
- CET1 ratio, Q2 2026
- 12.70%
- Domestic offices
- 37 FDIC institution directory, current count
- Routing number
- 104910795
- Latest call report
- Q2 2026, FFIEC 041 · Union Bank and Trust Company call report
- Holding company
- FARMERS & MERCHANTS INVESTMENT, INC.
- Asset rank in state
- 2nd of 138 in Nebraska
Union Bank and Trust Company, based in Lincoln, Nebraska, reported $9.2 billion in assets at June 30, 2026, up 5.0% from a year earlier. It holds 12% of its deposits (12%) above the FDIC insurance limit, about a third the median of 30.9% for the 895 banks with $1 billion to $10 billion in assets. It also earns about $1.74 a year on every $100 of assets, higher than about three-quarters of banks its size (median $1.29).
Earnings jumped: net income for the quarter was $40 million, 42% above the same quarter a year earlier.
As of June 30, 2026, Union Bank and Trust Company reported a CET1 capital ratio of 12.70%, a return on assets of 1.74%, a nonperforming-loan ratio of 0.32% and a Texas ratio of 1.92%. The figures come from its call report filed with the FFIEC.
Of the 138 banks headquartered in Nebraska, Union Bank and Trust Company is the 2nd largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.5% to $9.24B, loans rose 0.4% and deposits fell 1.0%. Non-owner-occupied commercial real estate loans made up 21.3% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 19.1%. Its 37 offices in the FDIC Summary of Deposits are in 18 cities across 3 states; its Lincoln 19 offices book 78% of its branch deposits. Judged on its Q2 2026 call report, Union Bank and Trust Company meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 3643 S 48th St, Lincoln, NE 68506
- County
- Lancaster
- Metro Area
- Lincoln, NE
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- February 28, 1917
- Domestic offices
- 37 FDIC institution directory, current count
- Employees (FTE)
- 1,069
- Domestic deposits
- $7.52B
- Allowance for credit losses
- $110.3M
- Net charge-offs (YTD)
- $3.5M
- Average total assets
- $9.27B
- Average total loans
- $7.00B
- Average interest-bearing deposits
- $6.70B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 13421
- Fed RSSD
- 450856
- SEC CIK
- 1259969 → filed by FARMERS & MERCHANTS INVESTMENT, INC.
- Website
- www.ubt.com →
- Parent Holding Company
- FARMERS & MERCHANTS INVESTMENT, INC. (RSSD 1053580)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Union Bank and Trust Company's total assets moved between a low of $8.27B (Q3 2023) and a high of $9.24B (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$9.24B total assets against $8.80B; $8.24B total liabilities against $7.93B.
$6.89B net loans and leases against $6.56B; $7.52B total deposits against $7.35B.
$1.81B securities against $1.76B; $92.1M cash and balances due against $81.2M.
$132.4M total interest income against $129.6M; $52.0M total interest expense against $54.8M.
$80.4M net interest income against $74.9M.
$29.0M total noninterest income against $28.5M; $63.3M total noninterest expense against $59.3M.
$3.1M provision for credit losses against $6.4M.
$40.4M net income against $28.5M.
1.74% return on assets against 1.29%; 3.58% net interest margin against 3.50%.
12.70% CET1 capital ratio against 11.65%; 10.65% tier 1 leverage ratio against 9.80%.
Inside the full Union Bank and Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Union Bank and Trust Company rankings
Its closest position to the top of a national ranking is 170 of 4,196, for total assets; its furthest is 925 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.29% (Q2 2025) to 2.17% (Q4 2025) and its net interest margin ran from 3.32% (Q4 2024) to 3.60% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.70% | 1.74% | 0.32% | 1.92% | 3.58% |
| Q1 2026 | 12.25% | 1.52% | 0.31% | 1.94% | 3.48% |
| Q4 2025 | 12.37% | 2.17% | 0.52% | 3.18% | 3.57% |
| Q3 2025 | 12.02% | 1.45% | 0.55% | 3.49% | 3.60% |
| Q2 2025 | 11.65% | 1.29% | 0.39% | 2.49% | 3.50% |
| Q1 2025 | 11.64% | 1.39% | 0.37% | 2.39% | 3.39% |
| Q4 2024 | 11.90% | 1.71% | 0.42% | 2.68% | 3.32% |
| Q3 2024 | 11.57% | 1.47% | 0.21% | 1.27% | 3.37% |
Swipe the table sideways to see every column.
Branch Network
View all 37 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Union Bank and Trust Company (main office) | Lincoln , NE | 68506 | $3.89B |
| 70th & Pioneers Branch | Lincoln , NE | 68506 | $457.5M |
| Lincoln Branch | Lincoln , NE | 68512 | $349.4M |
| Omaha Branch | Omaha , NE | 68130 | $342.4M |
| Commercial State Bk. of Bonner Springs Branch | Bonner Springs , KS | 66012 | $181.5M |
| Lincoln East Branch | Lincoln , NE | 68510 | $173.7M |
| 5006 North 27th Street Branch | Lincoln , NE | 68521 | $169.8M |
| South 84th Street Branch | Lincoln , NE | 68526 | $141.5M |
| Johnson County Branch | Leawood , KS | 66211 | $134.6M |
| Omaha Branch - 14400 Davenport Street | Omaha , NE | 68154 | $131.9M |
| Lincoln Branch - 1248 O St | Lincoln , NE | 68508 | $114.3M |
| 8401 Lexington Avenue Branch | Lincoln , NE | 68505 | $112.2M |
| Valentine Branch | Valentine , NE | 69201 | $110.5M |
| Wahoo Branch | Wahoo , NE | 68066 | $102.3M |
| Seward Branch | Seward , NE | 68434 | $97.0M |
| Detached Teller's Facility | Lincoln , NE | 68502 | $88.0M |
| Depot Facility | Lincoln , NE | 68510 | $87.9M |
| Fairbury Branch | Fairbury , NE | 68352 | $87.0M |
| Grand Island Branch | Grand Island , NE | 68803 | $83.8M |
| Hy-Vee Grocery Branch | Lincoln , NE | 68516 | $78.3M |
| Northeast Branch | Lincoln , NE | 68504 | $71.1M |
| Auburn Branch | Auburn , NE | 68305 | $54.6M |
| Union Bank & Trust Company | Lincoln , NE | 68588 | $53.2M |
| David City Branch | David City , NE | 68632 | $52.8M |
| Union Bank & Trust Company - Crete Branch | Crete , NE | 68333 | $51.3M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 1, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2006 | Structure Change | Acquired Commercial State Bank of Bonner Springs Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 29, 1998 | Structure Change | Acquired First National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 28, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 1, 1990 | Structure Change | Acquired Heritage Federal Savings Bank of Omaha Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| January 23, 1989 | Structure Change | Acquired Northwest National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 23, 1989 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 3, 1988 | Structure Change | Acquired Pawnee County Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 3, 1988 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 2, 1987 | Structure Change | Acquired Security State Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| October 1, 1987 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 3, 1985 | Structure Change | Acquired Farmers State Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| August 2, 1985 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 1, 1985 | Structure Change | Acquired Bank of Taylor Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| May 31, 1985 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 22, 1983 | Structure Change | Charter Discontinued (Merger or Purchase & Assumption) | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 16 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 7.5% of deposits in NE, rank 3 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,996 applications, 1,487 loans originated, $638.0M originated, across 20 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 62 loans, $27.3M approved, $440K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Union Bank and Trust Company’s latest filed figures and updates each quarter.
Similar banks
Compare Union Bank and Trust Company with peers
Frequently asked about Union Bank and Trust Company
What are Union Bank and Trust Company's total assets?
As of the Q2 2026 filing, Union Bank and Trust Company reported total assets of $9.24 billion in its FFIEC call report.
Where is Union Bank and Trust Company headquartered?
It is headquartered in Lincoln, NE, United States.
When was Union Bank and Trust Company founded?
It was established in 1917, per the FDIC institution directory.
Is Union Bank and Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #13421). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Union Bank and Trust Company?
Union Bank and Trust Company's primary federal regulator is the FDIC.
What is Union Bank and Trust Company's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.70% in its Q2 2026 call report, above regulatory requirements.
How many branches does Union Bank and Trust Company operate?
It operates 37 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Union Bank and Trust Company's Texas Ratio?
Its Texas Ratio is 1.92% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
Go deeper on Union Bank and Trust Company.
Get an email when Union Bank and Trust Company files its next call report, and benchmark it against any peer you choose.
Unlock Union Bank and Trust Company, freeFree account