BlastPoint's Banking Scorecard

Union Bank and Trust Company

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

Designations: ✓ Community bank

Lincoln, NE

37 branches across NE · KS · CO

884 banks in the $1B-$10B peer group nationally 21 in 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 31.7% in tier
+ ROA 0.19% above tier average
+ Efficiency Ratio 5.39% below tier average
+ Delinquency Rate 0.57% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 21.0% in tier
- NIB Deposit Bleed: Bottom 72.2% in tier
- Net Interest Margin 0.15% below tier average

Get updates when Union Bank and Trust Company releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Total Assets ?	$9.2B +5.6% YoY +1.1% QoQ	+$6.4B	$2.8B -0.1% YoY	$791.1M +6.6% YoY	$6.2B +9.1% YoY	Top 1.5% in tier
Total Loans ?	$6.9B +6.8% YoY +1.6% QoQ	+$4.9B	$2.0B +0.6% YoY	$551.6M +6.9% YoY	$3.2B +10.8% YoY	Top 1.6% in tier
Total Deposits ?	$7.6B +2.5% YoY -1.8% QoQ	+$5.3B	$2.3B -0.3% YoY	$661.1M +6.6% YoY	$4.8B +8.2% YoY	Top 1.9% in tier
Return on Assets ?	1.56% +10.2% YoY -2.8% QoQ	+0.19%	1.37% +19.6% YoY	1.36% +20.0% YoY	1.23% +13.4% YoY	74%
Net Interest Margin ?	3.67% +3.6% YoY -0.2% QoQ	-0.15%	3.82% +6.9% YoY	3.79% +6.5% YoY	3.89% +5.7% YoY	52%
Efficiency Ratio ?	55.67% -3.8% YoY +0.8% QoQ	-5.39%	61.06% -4.6% YoY	60.11% -6.9% YoY	66.95% -4.1% YoY	62%
Delinquency Rate ?	0.32% -15.5% YoY -39.7% QoQ	-0.57%	0.89% +14.1% YoY	0.72% +6.8% YoY	0.95% +18.8% YoY	68%
Loan-to-Deposit Ratio ?	90.29% +4.2% YoY +3.5% QoQ	+6.08%	84.20% +0.3% YoY	79.63% +0.4% YoY	76.70% +0.9% YoY	37%
Non-Interest-Bearing Deposit Share ?	12.58% -13.8% YoY -12.6% QoQ	-8.71%	21.29% -2.5% YoY	17.92% -1.5% YoY	22.01% -1.2% YoY	18%
Nonperforming Asset Ratio ?	0.24% -14.5% YoY -39.4% QoQ	-0.44%	0.67% +15.6% YoY	0.55% +6.0% YoY	0.67% +19.3% YoY	70%
Tier 1 Capital Ratio ?	12.26% +5.3% YoY -1.0% QoQ	-2.90%	15.16% +2.0% YoY	14.10% +3.9% YoY	17.06% +0.8% YoY	37%
Non-Interest Income / Assets ?	0.37% +3.1% YoY -75.9% QoQ	+0.11%	0.26% +1.6% YoY	0.12% +3.0% YoY	0.32% +4.1% YoY	Top 9.8% in tier

Get Full Access to Union Bank and Trust Company

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

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

#71 of 221 • Top 31.7% 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: 0.37%

(Tier: 0.26%, National: 0.32%)

better than tier avg

Return on Assets: 1.56%

(Tier: 1.37%, National: 1.23%)

better than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Concerns (2)

Liquidity Strain

risk

#71 of 334 • Bottom 21.0% 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: 90.29%

(Tier: 84.20%, National: 76.70%)

worse than tier avg

334 of 334 Mid-Market banks match · 1013 nationally

→ Stable -50 banks QoQ

NIB Deposit Bleed

decline

#27 of 36 • Bottom 72.2% 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: 12.58%

(Tier: 21.29%, National: 22.01%)

worse than tier avg

36 of 36 Mid-Market banks match · 238 nationally

↓ Shrinking -31 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).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (4 metrics)

Total Assets

size

Value: $9.19B

Peer Median: $2.82B

#14 of 884 Top 1.5% in $1B-$10B

Total Loans

size

Value: $6.86B

Peer Median: $1.96B

#15 of 884 Top 1.6% in $1B-$10B

Total Deposits

size

Value: $7.59B

Peer Median: $2.34B

#18 of 884 Top 1.9% in $1B-$10B

Non-Interest Income / Assets

revenue_mix

Value: 0.37%

Peer Median: 0.26%

#88 of 884 Top 9.8% in $1B-$10B

Top Weaknesses (1 metrics)

723

Non-Interest-Bearing Deposit Share

funding

Value: 12.58%

Peer Median: 21.29%

#723 of 884 Bottom 18.3% in $1B-$10B