Union Bank&Trust Co
Lincoln, Nebraska · FDIC Cert #13421
Union Bank&Trust Co is an FDIC-insured bank (Certificate #13421) with $8.5B in total assets and $6.6B in total deposits as of the Q2 2024 Call Report. Headquartered in Lincoln, Nebraska, the bank maintains a Tier 1 capital ratio of 12.06% (Well-Capitalized) and a nonperforming loan ratio of 0.20%. BankHealthData assigns a composite Health Grade of A (82/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Union Bank&Trust Co (FDIC cert 13421) is a mid-sized bank with $8.5B in total assets and $6.6B in deposits, based in Lincoln, Nebraska. Mid-sized banks typically operate regionally with a mix of commercial and consumer lending.
Capital position is strong: Tier 1 capital ratio of 12.06% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is clean: non-performing loan ratio of 0.20% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is in the normal range: 22.1% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is strong: return on assets of 1.71% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. Union Bank&Trust Co carries a composite BankHealth grade of A (82/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Union Bank&Trust Co
- Total Assets
- $8.5B
- Total Deposits
- $6.6B
- Tier 1 Capital Ratio
- 12.06%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.20%
- Liquidity Ratio
- 22.11%
- Return on Assets
- 1.71%
- Headquarters
- Lincoln, Nebraska
- FDIC Certificate
- #13421
- Health Grade
- A (82/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Union Bank&Trust Co holds a Tier 1 capital ratio of 12.06%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Union Bank&Trust Co has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Union Bank&Trust Co shows strong financial health indicators. With $8.5B in assets and a Health Score of 82/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Union Bank&Trust Co Compares
Union Bank&Trust Co’s Health Score of 82 is 17 points above the Nebraska state average of 65 across 120 FDIC-insured banks. Its 12.06% Tier 1 capital ratio is 1.9 points below the US banking industry average near 14%. The 0.20% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.71% is in line with or above the national ROA benchmark of ~1.1%. Among 186 similarly-sized banks, the average Health Score is 75, meaning this bank ranks above its size cohort. Site-wide, Union Bank&Trust Co is 12 points above the portfolio average of 70.
Frequently Asked Questions
Union Bank&Trust Co has a Bank Health Score of A (82/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 12.06%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Union Bank&Trust Co's Tier 1 capital ratio of 12.06% and nonperforming loan ratio of 0.20% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Union Bank&Trust Co is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #13421). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Union Bank&Trust Co holds $8.5B in total assets and $6.6B in total deposits. It is headquartered in Lincoln, Nebraska (FDIC Certificate #13421).
Union Bank&Trust Co has a Tier 1 capital ratio of 12.06%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.20%, and the return on assets is 1.71%.
Yes. Union Bank&Trust Co is FDIC-insured (Certificate #13421). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Union Bank&Trust Co's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.