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 Minneapolis, MN against its peer group of 2603 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 | 0.93% | 1.35% | -0.42% | 29th below |
| ROAE | 9.87% | 13.32% | -3.45% | 35th below |
| Net Interest Margin | 4.42% | 3.93% | +0.49% | 76th top |
| Efficiency Ratio | 77.29% | 61.13% | +16.16% | 17th bottom |
| PPNR / Avg Assets | 1.45% | 1.68% | -0.23% | 41st below |
| Yield on Earning Assets | 4.98% | 5.67% | -0.69% | 23rd bottom |
| Cost of Funds | 0.54% | 1.88% | -1.34% | 98th top |
| Net Interest Spread | 3.02% | 3.32% | -0.30% | 33rd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 3.13% | 0.94% | +2.19% | 6th bottom |
| NPA / Total Assets | 2.44% | 0.70% | +1.74% | 5th bottom |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 2.05% | 1.28% | +0.77% | 94th top |
| ACL / NPLs (Coverage) | 65.48% | 1546.52% | -1481.04% | 17th bottom |
| Texas Ratio | 26.52% | 7.33% | +19.19% | 4th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 16.16% | 19.49% | -3.33% | 59th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 16.16% | 19.52% | -3.36% | 58th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 17.41% | 20.61% | -3.20% | 59th above |
| Leverage Ratio | 10.02% | 12.14% | -2.12% | 32nd below |
| Equity / Assets | 8.25% | 11.37% | -3.12% | 16th bottom |
| TCE / Tangible Assets | 8.25% | 11.08% | -2.83% | 19th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 50.19% | 80.67% | -30.48% | 91st top |
| Core Deposit Ratio | 98.84% | 86.85% | +11.99% | 97th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 26.10% | 6.84% | +19.26% | 97th top |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.47% | 7.92% | -0.45% | 63rd above |
| Deposit Growth (Y/Y) | 28.32% | 6.28% | +22.04% | 97th top |
See Union Bank and Trust Company's peers by name
The 2603 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.