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.
Loans and leases to core deposits dropped 1.89 percentage points in Q2 2026, from 52.67% to 50.78%. It was the largest change from Q1 2026 among the key lines here. Union Bank and Trust Company has the 19th lowest loan-to-deposit ratio of the 221 banks headquartered in Minnesota, at 50.19% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Union Bank and Trust Company sits 30.65 points lower, at 50.19% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $47.5M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $132.5M |
| 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 | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 50.19% |
| Net loans and leases to deposits | 49.16% |
| Loans and leases to core deposits | 50.78% |
| Core deposits to total deposits | 98.84% |
| Brokered deposits to total deposits | 0.00% |
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 | 59.50% | 100.00% | $0 | $0 |
| Q4 2023 | 58.21% | 100.00% | $0 | $0 |
| Q1 2024 | 53.11% | 100.00% | $0 | $0 |
| Q2 2024 | 55.87% | 100.00% | $0 | $0 |
| Q3 2024 | 51.91% | 100.00% | $0 | $0 |
| Q4 2024 | 58.67% | 99.85% | $0 | $0 |
| Q1 2025 | 67.56% | 99.84% | $0 | $0 |
| Q2 2025 | 59.93% | 99.03% | $0 | $0 |
| Q3 2025 | 45.91% | 97.76% | $0 | $0 |
| Q4 2025 | 48.47% | 97.91% | $0 | $0 |
| Q1 2026 | 51.91% | 98.55% | $0 | $0 |
| Q2 2026 | 50.19% | 98.84% | $0 | $0 |
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 22242) · FFIEC NIC profile (RSSD 689759)