Union Bank and Trust Company
Lincoln, NE · Cert 13421 · Peer group: banks $1B-$10B in assets operating regionally (n=174) · Farmers&Merchants Inv Inc.
State charter, non-member · FDIC · 37 branches
Q2 2026
$9.2BAssets
$7.0BLoans
$7.5BDeposits
$999.2MEquity
Executive Summary
- Strongest standing: return on assets outperforms 83% of banks $1B-$10B in assets operating regionally (rank 30 of 174).
- Widest gap: net charge-offs / loans trails 67% of banks $1B-$10B in assets operating regionally (rank 117 of 174).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.65%
Rank 30 of 174
Net Interest Margin
3.44%
Rank 98 of 174
Efficiency Ratio
54.69%
Rank 62 of 174
Equity / Assets
10.82%
Rank 73 of 174
Non-interest income vs. expense
Unfavorable gap of $109.7M · efficiency ratio beats 65% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.65% | 0.93% | 1.27% | 1.52% | Beats 83% | 30 / 174 | |
| Return on Equity | 15.21% | 9.26% | 11.89% | 14.41% | Beats 81% | 33 / 174 | |
| Net Interest Margin | 3.44% | 3.22% | 3.56% | 3.91% | Beats 44% | 98 / 174 | |
| Efficiency Ratio | 54.69% | 51.59% | 59.21% | 67.02% | Beats 65% | 62 / 174 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.32% | 0.29% | 0.60% | 1.18% | Beats 70% | 53 / 174 | |
| Net Charge-Offs / Loans | 0.07% | 0.01% | 0.03% | 0.10% | Beats 33% | 117 / 174 | |
| Capital |
| Tier 1 Capital Ratio | 12.71% | 11.19% | 12.82% | 14.11% | Beats 48% | 91 / 174 | |
| Total Risk-Based Capital Ratio | 13.96% | 11.81% | 13.70% | 15.33% | Beats 52% | 83 / 174 | |
| Equity / Assets | 10.82% | 9.15% | 10.31% | 11.72% | Beats 58% | 73 / 174 | |
| Liquidity & Funding |
| Loans / Deposits | 93.09% | 80.93% | 90.31% | 97.12% | 63rd pctl | 65 / 174 | |
| Loans / Assets | 75.74% | 69.01% | 75.52% | 80.85% | 51st pctl | 85 / 174 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |