Union Bank and Trust Company (Minneapolis, MN)
Also written as UB&T
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Data as of · sourced from FFIEC call reports. How we update
Union Bank and Trust Company is an FDIC-insured commercial bank headquartered in Minneapolis, MN, established in 1976 (FDIC certificate 22242), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $253.4M, up 26.1% from Q2 2025, the 98th largest of 221 banks headquartered in Minnesota. Its CET1 capital ratio was 16.16% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 22242
- Headquarters
- Minneapolis, MN
- Established
- 1976
- Total assets, Q2 2026
- $253.4M
- Assets vs Q2 2025
- +26.1%
- CET1 ratio, Q2 2026
- 16.16%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 091001319
- Latest call report
- Q2 2026, FFIEC 051 · Union Bank and Trust Company call report
- Asset rank in state
- 98th of 221 in Minnesota
Union Bank and Trust Company is growing quickly. The Minneapolis, Minnesota bank had $253 million in assets at June 30, 2026, up 26.1% from a year earlier. It pays an average of 0.54% on its deposits and borrowings, about a third the median of 1.80% for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it carries problem assets equal to 26.5% of the capital and reserves that would absorb them, 10.0 times the median of 2.6% for banks its size.
Deposits are coming in faster than loans: over the year loans rose 7.5% and deposits rose 28.3%. Its $25 million non-owner-occupied commercial real estate book is improving, with 8.59% past due or on nonaccrual, down from 12.68% a year earlier. Costs are the weak spot: it spends about 77 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, Union Bank and Trust Company reported a CET1 capital ratio of 16.16%, a return on assets of 0.93%, a nonperforming-loan ratio of 3.13% and a Texas ratio of 26.52%. The figures come from its call report filed with the FFIEC.
Union Bank and Trust Company ranks as the 98th largest of the 221 banks based in Minnesota, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 9.8% to $253.4M, loans rose 6.9% and deposits rose 10.5%. Its loan book on June 30, 2026 was led by owner-occupied commercial real estate loans, at 55.1% of total loans, followed by non-owner-occupied commercial real estate loans at 21.4%. Its one office in the FDIC Summary of Deposits is in Minneapolis, MN. On its Q2 2026 call report, Union Bank and Trust Company meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 312 Central Ave Se, Minneapolis, MN 55414
- County
- Hennepin
- Metro Area
- Minneapolis-St. Paul-Bloomington, MN-WI
- 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 9, Minneapolis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- March 15, 1976
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 44
- Domestic deposits
- $230.9M
- Allowance for credit losses
- $2.4M
- Net charge-offs (YTD)
- $0
- Average total assets
- $219.0M
- Average total loans
- $110.3M
- Average interest-bearing deposits
- $63.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 15, 1976
- FDIC Cert
- 22242
- Fed RSSD
- 689759
- Website
- WWW.UBTMN.COM →
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
Over the 12 quarters to Q2 2026, Union Bank and Trust Company's total assets ran between $180.4M (Q3 2023) and $253.4M (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
$253.4M total assets against $201.0M; $232.5M total liabilities against $181.6M.
$113.5M net loans and leases against $105.7M; $230.9M total deposits against $179.9M.
$85.0M securities against $50.7M; $47.5M cash and balances due against $40.7M.
$2.7M total interest income against $2.4M; $303K total interest expense against $267K.
$2.4M net interest income against $2.2M.
$1.1M total noninterest income against $1.1M; $2.7M total noninterest expense against $2.2M.
$200K provision for credit losses against $90K.
$510K net income against $636K.
0.93% return on assets against 1.37%; 4.42% net interest margin against 4.76%.
16.16% CET1 capital ratio against 16.96%; 10.02% tier 1 leverage ratio against 10.87%.
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.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Union Bank and Trust Company rankings
Its closest position to the top of a national ranking is 83 of 3,640, for Texas Ratio; its furthest is 3,142 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.67% (Q3 2024) to 1.37% (Q2 2025) and its net interest margin ran from 3.54% (Q3 2024) to 4.76% (Q2 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.16% | 0.93% | 3.13% | 26.52% | 4.42% |
| Q1 2026 | 16.71% | 1.00% | 3.66% | 28.84% | 4.25% |
| Q4 2025 | 17.20% | 1.25% | 3.90% | 28.87% | 4.30% |
| Q3 2025 | 16.81% | 1.01% | 2.49% | 23.48% | 4.44% |
| Q2 2025 | 16.96% | 1.37% | 2.95% | 14.79% | 4.76% |
| Q1 2025 | 15.44% | 1.13% | 5.56% | 29.74% | 4.18% |
| Q4 2024 | 17.13% | 0.87% | 6.16% | 30.88% | 4.38% |
| Q3 2024 | 18.06% | 0.67% | 6.57% | 30.51% | 3.54% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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) | Minneapolis , MN | 55414 | $230.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MN, rank 127 of 277 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $3.2M approved, $1.6M 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, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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 $253.4 million in its FFIEC call report.
Where is Union Bank and Trust Company headquartered?
It is headquartered in Minneapolis, MN, United States.
When was Union Bank and Trust Company founded?
It was established in 1976, per the FDIC institution directory.
Is Union Bank and Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #22242). 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 16.16% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Union Bank and Trust Company operate?
It operates 1 domestic office, 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 26.52% 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.
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