Union Bank and Trust Company: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Compared with Q1 2026, Yield on loans rose 0.34 percentage points in Q2 2026 to 6.16%, the biggest move on this page. Union Bank and Trust Company ranks 59th of 221 Minnesota banks on net interest margin, in the upper half at 4.42% (Q2 2026). Union Bank and Trust Company reported 4.42% on net interest margin for Q2 2026, 0.47 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.98% |
| Yield on loans | 6.16% |
| Yield on securities | 3.68% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.54% |
| Cost of interest-bearing deposits | 1.90% |
| Cost of interest-bearing liabilities | 1.96% |
| Cost of borrowings | 3.41% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.42% |
| Yield to cost spread | 3.02% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.7M |
| Total interest expense | $303K |
| Interest expense on deposits | $293K |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.05% | 0.18% | 3.89% | 5.39% | 1.73% |
| Q4 2023 | 4.20% | 0.08% | 4.14% | 5.40% | 1.85% |
| Q1 2024 | 4.11% | 0.16% | 3.95% | 5.44% | 1.95% |
| Q2 2024 | 4.32% | 0.18% | 4.13% | 5.47% | 2.09% |
| Q3 2024 | 3.86% | 0.30% | 3.54% | 4.72% | 2.25% |
| Q4 2024 | 4.51% | 0.13% | 4.38% | 5.60% | 2.45% |
| Q1 2025 | 4.55% | 0.37% | 4.18% | 5.66% | 2.68% |
| Q2 2025 | 5.35% | 0.59% | 4.76% | 6.85% | 2.81% |
| Q3 2025 | 4.91% | 0.46% | 4.44% | 5.95% | 2.97% |
| Q4 2025 | 4.74% | 0.43% | 4.30% | 5.87% | 3.21% |
| Q1 2026 | 4.71% | 0.45% | 4.25% | 5.82% | 3.46% |
| Q2 2026 | 4.98% | 0.54% | 4.42% | 6.16% | 3.68% |
Union Bank and Trust Company yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Union Bank and Trust Company, freeSource: Call Report Schedules RI and RC-K, 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)