Union Bank and Trust Company
Lincoln, NE · Cert 13421 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · 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 82% of banks $1B-$10B in assets operating regionally (rank 31 of 176).
- Widest gap: net charge-offs / loans trails 65% of banks $1B-$10B in assets operating regionally (rank 116 of 176).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.65%
Rank 31 of 176
Net Interest Margin
3.44%
Rank 101 of 176
Efficiency Ratio
54.69%
Rank 58 of 176
Equity / Assets
10.82%
Rank 75 of 176
Non-interest income vs. expense
Unfavorable gap of $109.7M · efficiency ratio beats 68% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.65% | 0.93% | 1.26% | 1.54% | Beats 82% | 31 / 176 | | |
| Return on Equity | 15.21% | 9.26% | 11.89% | 14.46% | Beats 81% | 34 / 176 | | |
| Net Interest Margin | 3.44% | 3.25% | 3.59% | 3.93% | Beats 43% | 101 / 176 | | |
| Efficiency Ratio | 54.69% | 52.79% | 59.55% | 67.66% | Beats 68% | 58 / 176 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.32% | 0.30% | 0.64% | 1.32% | Beats 72% | 50 / 176 | | |
| Net Charge-Offs / Loans | 0.07% | 0.01% | 0.04% | 0.10% | Beats 35% | 116 / 176 | | |
| Capital |
| Tier 1 Capital Ratio | 12.71% | 11.15% | 12.72% | 14.15% | Beats 49% | 90 / 176 | | |
| Total Risk-Based Capital Ratio | 13.96% | 11.81% | 13.63% | 15.33% | Beats 55% | 80 / 176 | | |
| Equity / Assets | 10.82% | 9.16% | 10.35% | 11.80% | Beats 57% | 75 / 176 | | |
| Liquidity & Funding |
| Loans / Deposits | 93.09% | 80.94% | 89.73% | 97.21% | 63rd pctl | 66 / 176 | | |
| Loans / Assets | 75.74% | 69.25% | 75.12% | 80.82% | 52nd pctl | 84 / 176 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |