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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 10.59 percentage points higher than in Q1 2026, at 65.48%. Union Bank and Trust Company ranks 176th of 221 Minnesota banks on return on assets, in the lower half at 0.93% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Union Bank and Trust Company sits 0.32 points lower, at 0.93% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 16.16% |
| Tier 1 risk-based capital ratio | 16.16% |
| Total risk-based capital ratio | 17.41% |
| Tier 1 leverage ratio | 10.02% |
| Equity capital to assets | 8.25% |
| Tangible equity to tangible assets | 8.25% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 3.13% |
| Non-performing assets ratio | 2.44% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 26.52% |
| Allowance for credit losses to loans | 2.05% |
| Reserve coverage of non-performing loans | 65.48% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.93% |
| Return on equity | 9.87% |
| Net interest margin | 4.42% |
| Efficiency ratio | 77.29% |
| Yield on earning assets | 4.98% |
| Cost of funds | 0.54% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 50.19% |
| Core deposits to total deposits | 98.84% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 91.11% |
| Securities to assets | 33.54% |
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 | 16.52% | 16.52% | 17.53% | 9.68% | 1.48% |
| Q4 2023 | 16.84% | 16.84% | 18.10% | 9.75% | 0.61% |
| Q1 2024 | 17.90% | 17.90% | 19.15% | 10.70% | 1.75% |
| Q2 2024 | 18.52% | 18.52% | 19.77% | 11.02% | 0.72% |
| Q3 2024 | 18.06% | 18.06% | 19.32% | 11.00% | 0.67% |
| Q4 2024 | 17.13% | 17.13% | 18.38% | 10.62% | 0.87% |
| Q1 2025 | 15.44% | 15.44% | 16.70% | 11.04% | 1.13% |
| Q2 2025 | 16.96% | 16.96% | 18.21% | 10.87% | 1.37% |
| Q3 2025 | 16.81% | 16.81% | 18.06% | 9.96% | 1.01% |
| Q4 2025 | 17.20% | 17.20% | 18.46% | 9.74% | 1.25% |
| Q1 2026 | 16.71% | 16.71% | 17.96% | 9.91% | 1.00% |
| Q2 2026 | 16.16% | 16.16% | 17.41% | 10.02% | 0.93% |
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 22242) · FFIEC NIC profile (RSSD 689759)