Union National Bank
BankRegReports is independent of Union National Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Union National Bank is an FDIC-insured commercial bank headquartered in Elgin, IL, established in 1904 (FDIC certificate 3661), and it is supervised by the OCC. At Q2 2026 it reported total assets of $421.8M, up 14.4% from Q2 2025, the 115th largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 17.69% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 3661
- Headquarters
- Elgin, IL
- Established
- 1904
- Total assets, Q2 2026
- $421.8M
- Assets vs Q2 2025
- +14.4%
- CET1 ratio, Q2 2026
- 17.69%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 071900993
- Latest call report
- Q2 2026, FFIEC 041 · Union National Bank call report
- Holding company
- ELGIN BANCSHARES, INC.
- Asset rank in state
- 115th of 319 in Illinois
Union National Bank runs leaner than most banks of its size. Based in Elgin, Illinois, it had $422 million in assets at June 30, 2026, up 14.4% from a year earlier. It spends about 43 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). It also carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 2.6%).
Net income for the quarter slipped 12% from a year earlier, to $1.5 million. Over the same year, loans grew 11.1% and deposits grew 16.1%. Concentration is the risk to watch: it holds commercial real estate loans worth 2.5 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, Union National Bank reported a CET1 capital ratio of 17.69%, a return on assets of 1.42%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Of the 319 banks headquartered in Illinois, Union National Bank is the 115th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 3.1% to $421.8M, loans rose 2.3% and deposits rose 3.3%. Its loan book on June 30, 2026 was led by owner-occupied commercial real estate loans, at 50.2% of total loans, followed by non-owner-occupied commercial real estate loans at 27.8%. The FDIC Summary of Deposits lists a single office for it, in Elgin, IL. Judged on its Q2 2026 call report, Union National Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 101 E Chicago St, Elgin, IL 60120
- County
- Kane
- Metro Area
- Chicago-Naperville-Elgin, IL-IN
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- May 21, 1904
- Former names
- Union National Bank and Trust Company of Elgin (1940)
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 27
- Domestic deposits
- $376.9M
- Allowance for credit losses
- $3.6M
- Net charge-offs (YTD)
- -$4K
- Average total assets
- $415.4M
- Average total loans
- $344.7M
- Average interest-bearing deposits
- $206.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3661
- Fed RSSD
- 963730
- Website
- www.unbelgin.com →
- Parent Holding Company
- ELGIN BANCSHARES, INC. (RSSD 1205268)
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 National Bank's total assets ran between $354.3M (Q2 2024) and $421.8M (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
$421.8M total assets against $368.6M; $380.8M total liabilities against $327.5M.
$345.1M net loans and leases against $310.3M; $376.9M total deposits against $324.6M.
$16.5M securities against $14.3M; $57.0M cash and balances due against $41.0M.
$5.4M total interest income against $4.9M; $1.7M total interest expense against $1.1M.
$3.7M net interest income against $3.8M.
$1K total noninterest income against $0; $1.6M total noninterest expense against $1.5M.
No provision recorded in the last 12 quarters.
$1.5M net income against $1.7M.
1.42% return on assets against 1.77%; 3.58% net interest margin against 4.05%.
17.69% CET1 capital ratio against 17.65%; 9.85% tier 1 leverage ratio against 10.89%.
Inside the full Union National Bank 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.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Union National Bank rankings
Its closest position to the top of a national ranking is 336 of 3,606, for efficiency ratio; its furthest is 3,428 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.00% (Q4 2024) to 1.78% (Q1 2025) and its net interest margin ran from 3.58% (Q2 2026) to 4.18% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.69% | 1.42% | 0.00% | 0.00% | 3.58% |
| Q1 2026 | 17.74% | 1.63% | 0.00% | 0.00% | 3.75% |
| Q4 2025 | 15.39% | 1.47% | 0.00% | 0.00% | 4.18% |
| Q3 2025 | 17.84% | 1.65% | 0.00% | 0.00% | 3.97% |
| Q2 2025 | 17.65% | 1.77% | 0.00% | 0.00% | 4.05% |
| Q1 2025 | 17.53% | 1.78% | 0.00% | 0.00% | 3.78% |
| Q4 2024 | 16.76% | 1.00% | 0.00% | 0.00% | 3.89% |
| Q3 2024 | 19.11% | 1.60% | 0.00% | 0.00% | 3.74% |
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 National Bank and Trust Company of Elgin | Elgin , IL | 60120 | $376.9M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- April 22, 2010, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Union National Bank
- Period: Most recent institution action April 22, 2010. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in IL, rank 134 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 10 loans, $2.7M approved, $272K 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
- 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
Add this badge to your website
Free to use. It shows Union National Bank’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Union National Bank
What are Union National Bank's total assets?
As of the Q2 2026 filing, Union National Bank reported total assets of $421.8 million in its FFIEC call report.
Where is Union National Bank headquartered?
It is headquartered in Elgin, IL, United States.
When was Union National Bank founded?
It was established in 1904, per the FDIC institution directory.
Is Union National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3661). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Union National Bank?
Union National Bank's primary federal regulator is the OCC.
What is Union National Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 17.69% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Union National Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Union National Bank's Texas Ratio?
Its Texas Ratio is 0.00% 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.
What was Union National Bank previously called?
The charter now named Union National Bank has also operated as Union National Bank and Trust Company of Elgin (1940), per FDIC structure-change records.
Go deeper on Union National Bank.
Get an email when Union National Bank files its next call report, and benchmark it against any peer you choose.
Unlock Union National Bank, freeFree account