Union Bank and Trust Company: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 8.48 percentage points in Q2 2026, from 216.66% to 208.18%. It was the largest change from Q1 2026 among the key lines here. Within Nebraska, Union Bank and Trust Company is 39th of 138 on return on assets, 1.74% as of Q2 2026, above the middle of the field. Union Bank and Trust Company reported 1.74% on return on assets for Q2 2026, 0.46 points above the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.70% |
| Tier 1 risk-based capital ratio | 12.71% |
| Total risk-based capital ratio | 13.96% |
| Tier 1 leverage ratio | 10.65% |
| Equity capital to assets | 10.82% |
| Tangible equity to tangible assets | 10.72% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.76% |
| Non-performing assets ratio | 0.57% |
| Net charge-off ratio | 0.05% |
| Texas ratio | 5.05% |
| Allowance for credit losses to loans | 1.58% |
| Reserve coverage of non-performing loans | 208.18% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.74% |
| Return on equity | 16.52% |
| Net interest margin | 3.58% |
| Efficiency ratio | 53.53% |
| Yield on earning assets | 5.89% |
| Cost of funds | 2.61% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 93.09% |
| Core deposits to total deposits | 84.15% |
| Brokered deposits to total deposits | 11.93% |
| Deposits to assets | 81.36% |
| Securities to assets | 19.62% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.21% | 11.22% | 12.48% | 9.24% | 0.78% |
| Q4 2023 | 11.43% | 11.43% | 12.69% | 9.44% | 1.60% |
| Q1 2024 | 11.58% | 11.59% | 12.84% | 9.54% | 1.29% |
| Q2 2024 | 12.06% | 12.06% | 13.31% | 9.94% | 1.39% |
| Q3 2024 | 11.57% | 11.58% | 12.83% | 9.47% | 1.47% |
| Q4 2024 | 11.90% | 11.91% | 13.16% | 9.82% | 1.71% |
| Q1 2025 | 11.64% | 11.64% | 12.90% | 9.39% | 1.39% |
| Q2 2025 | 11.65% | 11.65% | 12.91% | 9.80% | 1.29% |
| Q3 2025 | 12.02% | 12.02% | 13.27% | 9.80% | 1.45% |
| Q4 2025 | 12.37% | 12.37% | 13.63% | 10.39% | 2.17% |
| Q1 2026 | 12.25% | 12.26% | 13.51% | 10.10% | 1.52% |
| Q2 2026 | 12.70% | 12.71% | 13.96% | 10.65% | 1.74% |
Union Bank and Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Union Bank and Trust Company, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)