Union Bank and Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Union Bank and Trust Company of Lincoln, NE against its peer group of 927 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.74% | 1.46% | +0.28% | 79th top |
| ROAE | 16.52% | 12.68% | +3.84% | 79th top |
| Net Interest Margin | 3.58% | 3.85% | -0.27% | 40th below |
| Efficiency Ratio | 53.53% | 57.41% | -3.88% | 64th above |
| PPNR / Avg Assets | 2.35% | 1.87% | +0.48% | 84th top |
| Yield on Earning Assets | 5.89% | 5.72% | +0.17% | 70th above |
| Cost of Funds | 2.61% | 2.01% | +0.60% | 18th bottom |
| Net Interest Spread | 3.01% | 3.18% | -0.17% | 45th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.76% | 1.00% | -0.24% | 42nd below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.57% | 0.76% | -0.19% | 43rd below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.05% | 0.43% | -0.38% | 43rd below |
| ACL / Total Loans | 1.58% | 1.31% | +0.27% | 88th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 208.18% | 565.67% | -357.49% | 56th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.05% | 7.40% | -2.35% | 49th below |
| Provision / NCO | 144.59% | 620.56% | -475.97% | 46th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.70% | 17.36% | -4.66% | 37th below |
| Tier 1 Ratio | 12.71% | 17.39% | -4.68% | 36th below |
| Total Capital Ratio | 13.96% | 18.44% | -4.48% | 39th below |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 10.65% | 11.44% | -0.79% | 54th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.82% | 11.34% | -0.52% | 58th above |
| TCE / Tangible Assets | 10.71% | 10.50% | +0.21% | 67th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 93.09% | 86.93% | +6.16% | 35th below |
| Core Deposit Ratio | 84.15% | 85.56% | -1.41% | 32nd below |
| Uninsured Deposit Ratio | 11.78% | 33.20% | -21.42% | 95th top |
| Wholesale Funding Ratio | 6.84% | 5.69% | +1.15% | 29th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.98% | 9.70% | -4.72% | 49th below |
| Loan Growth (Y/Y) | 4.97% | 8.07% | -3.10% | 46th below |
| Deposit Growth (Y/Y) | 2.22% | 7.90% | -5.68% | 32nd below |
See Union Bank and Trust Company's peers by name
The 927 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Union Bank and Trust Company, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Union Bank and Trust Company profile, how to read a UBPR, or how this data updates.