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Union Bank and Trust Company

Lincoln, NE · Cert 13421 · Farmers&Merchants Inv Inc.

State charter, non-member · FDIC · 37 branches

Q2 2026

$9.2BAssets
$7.0BLoans
$7.5BDeposits
$999.2MEquity
Loan mix
69%RE $4.4B21%C&I $1.3B10%Consumer $0.6BQ2 2025Q2 2026
Deposit mix
88%Interest-bearing $6.6B12%Noninterest $0.9BQ2 2025Q2 2026

NIM

5.98%Q2 ’245.88%Q2 ’255.71%Q2 ’26+12%+2%

Non-interest income vs. expense

2.69%Q2 ’242.69%Q2 ’252.73%Q2 ’26+26%-20%

Market Position · Lincoln, NE · 2026 SOD (annual) · 37.0% share · #1 of 33 inst. · $6.0B of $16.1B

39.5% Lancaster
1.4% Douglas
7.0% Wyandotte
0.5% Johnson

Executive Summary

  • Earnings: ROA of 1.75%, up 45 bps year over year; NIM at 3.47%.
  • Asset quality: problem loans at 0.32% of loans (-7 bps YoY), with net charge-offs at 0.05%.
  • Capital: tier 1 leverage ratio of 10.65%, up 85 bps from a year ago.
  • Funding: loans stand at 93.09% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.75%+45 bps YoY

Net Interest Margin (quarter, annualized)

3.47%+7 bps YoY

Efficiency Ratio (quarter, annualized)

53.75%-358 bps YoY

Tier 1 Leverage Ratio

10.65%+85 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.30%1.50%2.20%1.56%1.75%+45 bps
Return on Equity13.20%14.84%21.20%14.91%16.52%+332 bps
Net Interest Margin3.40%3.51%3.47%3.38%3.47%+7 bps
Efficiency Ratio57.33%57.38%49.55%55.67%53.75%-358 bps
Non-Interest Burden1.40%1.44%0.64%1.24%1.12%-28 bps
Growth
Asset Growth (YoY)3.53%0.93%3.83%5.57%4.98%+145 bps
Loan Growth (YoY)5.86%6.32%6.67%6.81%4.97%-89 bps
Deposit Growth (YoY)11.61%6.94%3.20%2.54%2.22%-938 bps
Asset Quality
Nonperforming Loans / Loans0.39%0.55%0.52%0.31%0.32%-7 bps
Net Charge-Offs / Loans0.05%0.06%0.43%0.15%0.05%-1 bps
Allowance / Loans1.62%1.61%1.59%1.57%1.58%-4 bps
Allowance Coverage of NPLs4.1x2.9x3.0x5.0x4.9x+0.8x
Capital
Tier 1 Leverage Ratio9.80%9.80%10.39%10.10%10.65%+85 bps
Total Risk-Based Capital12.91%13.27%13.63%13.51%13.96%+105 bps
Equity / Assets9.94%10.24%10.51%10.40%10.82%+88 bps
Liquidity & Funding
Loans / Deposits90.66%90.83%88.63%91.73%93.09%+244 bps
Liquid Assets / Assets0.13%0.24%0.24%0.02%0.38%+26 bps
CRE / Total Capitaln/a383%365%370%n/an/a