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Union Bank And Trust Company
Minneapolis, MN · FDIC Certificate #22242 · Chartered 03/1
Total assets
$253.44M
Total deposits
$230.90M
Total equity
$20.92M
Net loans
$113.52M
Branches (offices)
1
Net income (YTD)
$1.05M
Rank: #2,695 of 4,213 U.S. banks by assets · #98 of 221 in Minnesota. Assets changed 26.1% and deposits 28.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.87% |
| Return on equity | 10.12% |
| Net interest margin (YTD) | 4.02% |
| Equity to assets | 8.25% |
| Tier 1 leverage ratio | 10.02% |
| Uninsured deposits (share of deposits) | 67.4% |
| Noncurrent loans (share of loans) | 3.13% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 49.2% |
| Real estate loans (share of loans) | 88.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $100.04M | 88.1% | |
| Commercial & industrial | $14.18M | 12.5% | |
| Consumer / individual | $36.00K | 0.0% | |
| Construction & development | $10.21M | 9.0% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $214.20M | $200.61M | $497.00K | $12.96M |
| Jun 2023 | $172.94M | $151.08M | $1.16M | $14.59M |
| Jun 2024 | $183.74M | $165.04M | $1.08M | $16.87M |
| Jun 2025 | $200.98M | $179.94M | $1.14M | $19.41M |
| Jun 2026 | $253.44M | $230.90M | $1.05M | $20.92M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Minnesota | $230.90M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $230.90M.
Similar-sized banks
Security Bank ($253.82M) · The Clay City Banking Co. ($253.33M)
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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