Union Bank and Trust Company: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Cash and balances due from depository institutions climbed 59.3% in Q2 2026, from $57.8M to $92.1M. It was the largest change from Q1 2026 among the key lines here. Within Nebraska, Union Bank and Trust Company is 31st of 138 on loan-to-deposit ratio, 93.09% as of Q2 2026, above the middle of the field. Union Bank and Trust Company reported 93.09% on loan-to-deposit ratio for Q2 2026, 4.89 points above the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $92.1M |
| Cash and noninterest-bearing balances to assets | 1.00% |
| Cash and securities | $1.90B |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $632.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.84% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 93.09% |
| Net loans and leases to deposits | 91.63% |
| Loans and leases to core deposits | 96.89% |
| Core deposits to total deposits | 84.15% |
| Brokered deposits to total deposits | 11.93% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 98.18% | 84.42% | $50.0M | $1.28B |
| Q4 2023 | 88.71% | 83.76% | $150.0M | $450.0M |
| Q1 2024 | 94.02% | 84.85% | $150.0M | $696.4M |
| Q2 2024 | 95.58% | 84.44% | $150.0M | $797.9M |
| Q3 2024 | 91.35% | 84.33% | $150.0M | $798.7M |
| Q4 2024 | 85.75% | 84.09% | $0 | $310.0M |
| Q1 2025 | 88.07% | 84.86% | $0 | $364.9M |
| Q2 2025 | 90.66% | 85.35% | $0 | $488.0M |
| Q3 2025 | 90.83% | 85.39% | $0 | $466.0M |
| Q4 2025 | 88.63% | 84.83% | $0 | $310.0M |
| Q1 2026 | 91.73% | 84.61% | $0 | $560.7M |
| Q2 2026 | 93.09% | 84.15% | $0 | $632.0M |
Union Bank and Trust Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Union Bank and Trust Company, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Union Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13421) · FFIEC NIC profile (RSSD 450856)