Union National Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Union National Bank is a locally rooted FDIC-insured community bank based in Elgin, IL. As of Q2 2026, the bank held approximately $422M in total assets and $377M in deposits. Profitability is strong, 1.42% ROA, paired with 14.66% ROE and a 3.58% net interest margin. Regulatory capital is solid, 17.69% CET1 and 18.94% total risk-based capital ratio. Asset quality is pristine, 0.00% NPLs and a 0.00% Texas Ratio. 2 branches make up the footprint.
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%, a Texas ratio of 0.00%, per financial data filed with the FFIEC.
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)
- Offices
- 2 domestic
- Employees (FTE)
- 27
- Domestic deposits
- $376.9M
- Allowance for credit losses
- $3.6M
- Net charge-offs (YTD)
- -$4K
- 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
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
No provision recorded in the last 12 quarters.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Union National Bank terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Union National 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
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| 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% | 0.01% | 4.05% |
| Q1 2025 | 17.53% | 1.78% | 0.00% | 0.01% | 3.78% |
| Q4 2024 | 16.76% | 1.00% | 0.00% | 0.01% | 3.89% |
| Q3 2024 | 19.11% | 1.60% | 0.00% | 0.02% | 3.74% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 1 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Union National Bank and Trust Company of Elgin | Elgin , IL | 60120 | $376.9M |
Regulatory record
What the public regulatory sources show for Union National Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- 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 383 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Union National Bank headquartered?
Union National Bank is headquartered in Elgin, IL, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Union National Bank founded?
Union National Bank was established in 1904, per the FDIC institution directory.
Is Union National Bank FDIC-insured?
Yes. Union National Bank 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Union National Bank's CET1 capital ratio?
Union National Bank 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?
Union National Bank 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?
Union National Bank's Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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.
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