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Union National Bank and Trust Company of Elgin

$100M-$1B Specialty: Commercial IL FDIC cert 3661

Elgin, IL

2 branches across IL

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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 211 in IL.
  • Deposits +16.1% year over year ($376.9M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 1.52%.
  • Efficiency ratio 41.47% vs a 64.48% peer average.
  • Loan-to-deposit ratio 91.55% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 211 in IL
View $100M-$1B leaderboard (IL) →

Union National Bank and Trust Company of Elgin has 4 strengths but faces 5 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

  • + Efficiency Ratio 23.01% below tier average
  • + Delinquency Rate 0.92% below tier average
  • + Nonperforming Asset Ratio 0.67% below tier average
  • + ROA 0.20% above tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 32.2% in tier
  • - Liquidity Strain: Bottom 48.3% in tier
  • - Margin Compression: Bottom 71.0% in tier
  • - Non-Interest Income / Assets 0.57% below tier average
  • - Net Interest Margin 0.30% below tier average
Get updates when Union National Bank and Trust Company of Elgin releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $421.8M
+14.4% YoY +3.1% QoQ
+$35.2M $386.6M
+1.2% YoY
$2.4B
+4.3% YoY
$6.3B
+7.7% YoY
64%
Total Loans ? $345.1M
+11.2% YoY +2.3% QoQ
+$86.7M $258.3M
+1.7% YoY
$1.3B
+4.4% YoY
$3.2B
+9.4% YoY
73%
Total Deposits ? $376.9M
+16.1% YoY +3.3% QoQ
+$50.2M $326.7M
+0.7% YoY
$1.9B
+3.7% YoY
$4.9B
+7.3% YoY
67%
Return on Assets ? 1.52%
-16.2% YoY -5.8% QoQ
+0.20% 1.32%
+10.8% YoY
1.12%
+2.8% YoY
1.30%
+12.1% YoY
66%
Net Interest Margin ? 3.69%
-8.5% YoY -1.4% QoQ
-0.30% 3.99%
+5.0% YoY
3.68%
+7.2% YoY
3.95%
+4.9% YoY
36%
Efficiency Ratio ? 41.47%
+12.2% YoY +4.5% QoQ
-23.01% 64.48%
-3.2% YoY
63.11%
-4.5% YoY
70.05%
+2.5% YoY
Top 5.3% in tier
Delinquency Rate ? 0.00%
-100.0% YoY
-0.92% 0.92%
+15.7% YoY
1.19%
+6.2% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 91.55%
-4.2% YoY -0.9% QoQ
+13.59% 77.95%
+1.0% YoY
72.86%
+0.7% YoY
79.03%
+2.3% YoY
23%
Non-Interest-Bearing Deposit Share ? 29.13%
-31.4% YoY -26.6% QoQ
+7.09% 22.03%
-0.6% YoY
20.01%
-0.1% YoY
21.98%
-0.6% YoY
79%
Nonperforming Asset Ratio ? 0.00%
-100.0% YoY
-0.67% 0.67%
+16.4% YoY
0.81%
+6.3% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 17.69%
+0.3% YoY -0.3% QoQ
+1.78% 15.91%
+1.4% YoY
17.17%
+1.3% YoY
17.09%
+0.8% YoY
80%
Non-Interest Income / Assets ? 0.00%
+94.0% QoQ
-0.57% 0.57%
+7.6% YoY
0.68%
+1.1% YoY
0.66%
+5.2% YoY
Bottom 0.5% 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 (IL) National Avg Tier Percentile
Noninterest-Bearing 29.1%
-13.3pp YoY
-10.5pp QoQ
 +7.0pp 22.1% 20.1% 22.2% 79%
Brokered Deposits n/a n/a 7.9% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
C&I 13.8%
-1.2pp YoY
0.0pp QoQ
 +2.2pp 11.6% 14.7% 12.5% 71%
CRE 82.9%
+1.5pp YoY
+0.8pp QoQ
 +43.4pp 39.5% 37.9% 41.4% 98%
1-4 Family 4.1%
-0.4pp YoY
-0.8pp QoQ
 -28.5pp 32.6% 28.3% 31.3% 4%
Consumer 0.0%
0.0pp YoY
0.0pp QoQ
 -4.1pp 4.1% 5.4% 5.0% 2%

Capital

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
CET1 Ratio 17.7%
0.0pp YoY
0.0pp QoQ
 -1.1pp 18.8% 19.9% 19.7% 68%
Leverage Ratio 9.9%
-1.0pp YoY
-0.3pp QoQ
 -2.3pp 12.2% 12.2% 12.6% 28%
Total Capital Ratio 18.9%
0.0pp YoY
0.0pp QoQ
 -1.0pp 19.9% 20.9% 20.8% 68%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Full-Time Employees 27
+4 (+17.4%) YoY
+1 (+3.8%) QoQ
 -32 58 228 482 22%
Assets per Employee ($) $15.6M
-2.5% YoY
-0.7% QoQ
 +$8.1M $7.5M $8.3M $8.8M 98%
Branch Count 2
0 YoY
0 QoQ
 -3 4 10 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual n/a n/a 0.9% 1.1% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 5.62x 20.23x n/a
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 23%

Profitability

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
ROE 15.5%
-1.8pp YoY
-0.9pp QoQ
 +3.3pp 12.2% 10.5% 11.6% 70%
Cost of Funds (YTD) 1.7%
+0.4pp YoY
0.0pp QoQ
 -0.1pp 1.7% 1.6% 1.7% 47%
Net Income ($, YTD) $3.1M
-10.6% YoY
— QoQ
 +$503K $2.6M $11.7M $40.4M 70%

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 (0)

No matched strength signatures this quarter

Concerns (3)

Liquidity Overhang

risk
#240 of 742 • Bottom 32.2% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 17.69%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 91.55%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank declining

Liquidity Strain

risk
#335 of 691 • Bottom 48.3% 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: 91.55%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank declining

Margin Compression

decline
#219 of 307 • Bottom 71.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.52%
(Tier: 1.32%, National: 1.30%)
better than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ | QoQ rank declining

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 2643 peers in $100M-$1B

Top Strengths (5 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B
141
Efficiency Ratio
profitability
Value: 41.47%
Peer Median: 64.48%
#141 of 2643 Top 5.3% in $100M-$1B
532
Tier 1 Capital Ratio
capital
Value: 17.69%
Peer Median: 15.91%
#532 of 2643 Top 20.1% in $100M-$1B
543
Non-Interest-Bearing Deposit Share
funding
Value: 29.13%
Peer Median: 22.03%
#543 of 2643 Top 20.5% in $100M-$1B

Top Weaknesses (2 metrics)

2630
Non-Interest Income / Assets
revenue_mix
Value: 0.00%
Peer Median: 0.57%
#2630 of 2643 Bottom 0.5% in $100M-$1B
2033
Loan-to-Deposit Ratio
liquidity
Value: 91.55%
Peer Median: 77.95%
#2033 of 2643 Bottom 23.1% in $100M-$1B
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