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Union Bank And Trust Company
Lincoln, NE · FDIC Certificate #13421 · Chartered 02/2
Total assets
$9.24B
Total deposits
$7.52B
Total equity
$999.23M
Net loans
$6.89B
Branches (offices)
37
Net income (YTD)
$76.00M
Rank: #174 of 4,213 U.S. banks by assets · #2 of 138 in Nebraska. Assets changed 5.0% and deposits 2.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.66% |
| Return on equity | 15.67% |
| Net interest margin (YTD) | 3.68% |
| Equity to assets | 10.82% |
| Tier 1 leverage ratio | 10.65% |
| Uninsured deposits (share of deposits) | 11.8% |
| Noncurrent loans (share of loans) | 0.32% |
| Net charge-offs (share of loans) | 0.10% |
| Loans to deposits | 91.6% |
| Real estate loans (share of loans) | 63.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $4.40B | 63.8% | |
| Commercial & industrial | $1.33B | 19.4% | |
| Consumer / individual | $643.80M | 9.3% | |
| Construction & development | $705.82M | 10.2% | |
| Agricultural | $175.77M | 2.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $7.01B | $5.58B | $49.39M | $631.15M |
| Jun 2023 | $8.05B | $6.04B | $51.48M | $739.03M |
| Jun 2024 | $8.50B | $6.59B | $56.59M | $854.13M |
| Jun 2025 | $8.80B | $7.35B | $59.32M | $874.43M |
| Jun 2026 | $9.24B | $7.52B | $76.00M | $999.23M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Nebraska | $7.16B | 34 |
| Kansas | $316.07M | 2 |
| Colorado | $39.51M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $7.52B.
Similar-sized banks
Lake Forest Bank & Trust Company, National Association ($9.25B) · First American Trust, FSB ($9.23B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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