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Union Bank and Trust Company

$1B-$10B Specialty: Commercial NE FDIC cert 13421

Designations: ✓ Community bank

Lincoln, NE

37 branches across NE · KS · CO

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 21 in NE.
  • Deposits +2.2% year over year ($7.5B on the books).
  • Delinquency rate 0.33%.
  • Return on assets 1.66%.
  • Efficiency ratio 54.69% vs a 59.73% peer average.
  • Loan-to-deposit ratio 91.63% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 21 in NE
View $1B-$10B leaderboard (NE) →

Union Bank and Trust Company has 4 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Revenue Diversifier: Top 29.7% in tier
  • + ROA 0.27% above tier average
  • + Efficiency Ratio 5.04% below tier average
  • + Delinquency Rate 0.54% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 19.4% in tier
  • - NIB Deposit Bleed: Bottom 56.5% in tier
  • - Net Interest Margin 0.19% below tier average
Get updates when Union Bank and Trust Company releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Total Assets ? $9.2B
+5.0% YoY +0.5% QoQ
+$6.4B $2.8B
-0.6% YoY
$801.1M
+6.7% YoY
$6.3B
+7.7% YoY
Top 1.5% in tier
Total Loans ? $6.9B
+5.0% YoY +0.4% QoQ
+$4.9B $2.0B
-0.3% YoY
$561.8M
+6.3% YoY
$3.2B
+9.4% YoY
Top 1.2% in tier
Total Deposits ? $7.5B
+2.2% YoY -1.0% QoQ
+$5.2B $2.3B
-0.5% YoY
$663.3M
+6.9% YoY
$4.9B
+7.3% YoY
Top 1.6% in tier
Return on Assets ? 1.66%
+22.3% YoY +6.3% QoQ
+0.27% 1.39%
+17.0% YoY
1.39%
+16.4% YoY
1.30%
+12.1% YoY
77%
Net Interest Margin ? 3.68%
+3.0% YoY +0.4% QoQ
-0.19% 3.87%
+6.2% YoY
3.85%
+5.8% YoY
3.95%
+4.9% YoY
48%
Efficiency Ratio ? 54.69%
-5.0% YoY -1.8% QoQ
-5.04% 59.73%
-12.6% YoY
59.13%
-5.1% YoY
70.05%
+2.5% YoY
64%
Delinquency Rate ? 0.33%
-17.8% YoY +2.6% QoQ
-0.54% 0.87%
+11.7% YoY
0.76%
-0.0% YoY
0.98%
+16.3% YoY
66%
Loan-to-Deposit Ratio ? 91.63%
+2.7% YoY +1.5% QoQ
+6.59% 85.04%
-0.1% YoY
80.90%
+0.2% YoY
79.03%
+2.3% YoY
36%
Non-Interest-Bearing Deposit Share ? 12.11%
-15.9% YoY -3.8% QoQ
-9.17% 21.27%
-1.5% YoY
17.56%
-0.6% YoY
21.98%
-0.6% YoY
16%
Nonperforming Asset Ratio ? 0.24%
-17.7% YoY +2.5% QoQ
-0.43% 0.67%
+11.7% YoY
0.59%
+4.7% YoY
0.69%
+15.8% YoY
68%
Tier 1 Capital Ratio ? 12.71%
+9.0% YoY +3.7% QoQ
-2.14% 14.84%
-0.4% YoY
14.05%
+0.1% YoY
17.09%
+0.8% YoY
44%
Non-Interest Income / Assets ? 0.77%
+14.0% YoY +109.3% QoQ
+0.24% 0.53%
+2.5% YoY
0.24%
+7.2% YoY
0.66%
+5.2% YoY
Top 8.9% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Noninterest-Bearing 12.1%
-2.3pp YoY
-0.5pp QoQ
 -9.3pp 21.4% 17.6% 22.2% 16%
Brokered Deposits 11.9%
+0.6pp YoY
+0.3pp QoQ
 +2.5pp 9.5% 8.9% 8.5% 74%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
C&I 19.4%
-1.8pp YoY
-0.1pp QoQ
 +5.4pp 14.0% 12.3% 12.5% 80%
CRE 50.6%
-0.8pp YoY
-0.5pp QoQ
 +0.5pp 50.0% 32.3% 41.4% 53%
1-4 Family 7.0%
+0.6pp YoY
+0.2pp QoQ
 -19.4pp 26.4% 16.9% 31.3% 10%
Consumer 9.3%
+0.3pp YoY
+0.2pp QoQ
 +4.6pp 4.7% 3.1% 5.0% 89%

Capital

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
CET1 Ratio 12.7%
+1.0pp YoY
+0.4pp QoQ
 -2.9pp 15.6% 16.1% 19.7% 36%
Leverage Ratio 10.6%
+0.8pp YoY
+0.5pp QoQ
 -0.7pp 11.3% 12.1% 12.6% 53%
Total Capital Ratio 14.0%
+1.1pp YoY
+0.5pp QoQ
 -2.7pp 16.7% 17.3% 20.8% 38%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Full-Time Employees 1,069
+54 (+5.3%) YoY
+26 (+2.5%) QoQ
 +755 313 98 482 98%
Assets per Employee ($) $8.6M
-0.3% YoY
-1.9% QoQ
 -$1.8M $10.5M $8.5M $8.8M 50%
Branch Count 37
+1 (+2.8%) YoY
0 QoQ
 +17 20 7 18 88%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.2% 0.4% 0.4% 54%
Nonaccrual 0.3%
-0.1pp YoY
0.0pp QoQ
 -0.5pp 0.8% 0.8% 1.0% 30%
Allowance Coverage 4.89x
+18.2% YoY
-2.2% QoQ
 -13.82x 18.71x 31.69x 20.23x 78%
Net Charge-off Rate (YTD) 0.1%
0.0pp YoY
-0.1pp QoQ
 -0.2pp 0.3% 0.1% 0.2% 67%

Profitability

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
ROE 15.7%
+1.9pp YoY
+0.8pp QoQ
 +3.1pp 12.6% 12.3% 11.6% 77%
Cost of Funds (YTD) 2.4%
-0.2pp YoY
0.0pp QoQ
 +0.5pp 1.9% 1.9% 1.7% 82%
Net Income ($, YTD) $76.0M
+28.1% YoY
— QoQ
 +$56.8M $19.2M $6.1M $40.4M 98%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Revenue Diversifier

growth
#67 of 222 • Top 29.7% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.77%
(Tier: 0.53%, National: 0.66%)
better than tier avg
Return on Assets: 1.66%
(Tier: 1.39%, National: 1.30%)
better than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (2)

Liquidity Strain

risk
#71 of 361 • Bottom 19.4% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 91.63%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
361 of 361 Mid-Market banks match · 1092 nationally
→ Stable +81 banks QoQ

NIB Deposit Bleed

decline
#27 of 46 • Bottom 56.5% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature
Noninterest-Bearing Deposit Share: 12.11%
(Tier: 21.27%, National: 21.98%)
worse than tier avg
46 of 46 Mid-Market banks match · 211 nationally
↓ Shrinking -26 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (5 metrics)

12
Total Loans
size
Value: $6.89B
Peer Median: $1.96B
#12 of 885 Top 1.2% in $1B-$10B
14
Total Assets
size
Value: $9.24B
Peer Median: $2.79B
#14 of 885 Top 1.5% in $1B-$10B
15
Total Deposits
size
Value: $7.52B
Peer Median: $2.32B
#15 of 885 Top 1.6% in $1B-$10B
80
Non-Interest Income / Assets
revenue_mix
Value: 0.77%
Peer Median: 0.53%
#80 of 885 Top 8.9% in $1B-$10B
205
Return on Assets
profitability
Value: 1.66%
Peer Median: 1.39%
#205 of 885 Top 23.1% in $1B-$10B

Top Weaknesses (1 metrics)

740
Non-Interest-Bearing Deposit Share
funding
Value: 12.11%
Peer Median: 21.27%
#740 of 885 Bottom 16.5% in $1B-$10B
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