Institution Class	Commercial bank, state charter, Fed member, supervised by FRB
Primary Regulator	FED
Established Date	01/01/1902
Community Bank	No
Ownership Type	Not Mutual
ZIP	22427
State and County Number	51033
Subchapter S Corporations	No
Trust Powers	Trust Powers Not Granted
Federal Reserve ID Number	05
Numeric code	13
Insured by FDIC	Institution closed or not insured by FDIC
Federal Reserve District	Atlanta
Core Based Statistical Area Name	N/A

Operational Info

Number of Employees	3,160
Domestic Offices	41
Foreign Offices	0
US Offices	0
Directly owned by another bank (CERT)	No
Last Structure Change Effective Date	03/20/2010
Date of Deposit Insurance	01/01/1934
Primary Insurance Agency	DIF
Website	N/A
Data Updated	11/14/2025
CERT	11579
Office of The Comptroller District:	—
Office of Thrift Supervision Region	N/A

Financial Summary

Total Assets	$36.99B
Total Deposits	$30.71B
Total Liabilities	$31.37B
Total Equity Capital	$5.62B
Net Income	$105.11M
Net Loans and Leases	$27.09B
Assets Per Employee ($Millions)	$11.93M
Bank Premises and Fixed Assets	$282.43M
Cash and Balances due from Depository Institutions	$789.31M
Deposits Held in Domestic Offices	$30.71B

Return on Assets (ROA)	1.13%
Return on Equity (ROE)	7.58%
Net Interest Margin	4.04%
Efficiency Ratio	56.81%
Tier 1 Risk-Based Capital Ratio	12.804%
Net Loans and Leases to Core Deposits	0%
Credit Loss Provision to Assets	0.18%
Cash Dividends to Net Income (YTD Only)	0%
Equity Capital to Assets	15.185%
Earning Assets to total Assets	88.67%

Total Interest Income	$503.41M
Total Noninterest Income	$55.28M
Total Interest Expense	$171.37M
Total Noninterest Expense	$238.16M
Net Interest Income	$332.04M
Pre-tax Net Operating Income	$132.92M
Provision for Credit Losses	$16.23M
Discontinued Operations (Extraordinary Gains - Net)	$0

Goodwill and Other Intangibles	$0
All Other Assets	$0
Other Real Estate Owned	$4.39M
Other borrowed funds	$7.59M
Federal Funds Sold & Reverse Repurchase Agreement	$4.85M
Federal Funds Purchased and Repurchased Agreement	$91.63M
All Other Liabilities	$400.43M
Total Liabilities and Capital	$36.99B

Securities	$5.15B
Available-for-sale debt securities	$4.26B
Equity securities with readily determinable fair values not held for trading	$0
Held-to-maturity securities	$883.94M
Subordinated Debt	$0
Trading Account Assets	$106.57M
Trading Liabilities	$166.72M

What are the total assets of Union Bank and Trust Company?

$36.99B as of the latest filing.

How much are Union Bank and Trust Company's total deposits?

$30.71B in total deposits.

Where is Union Bank and Trust Company located?

Bowling Green, VA.

What is the Net Interest Margin?

4.04%.

How many domestic offices does it operate?

41.

When was it established?

01/01/1902.

What is the Return on Assets (ROA)?

1.13%.

How much are total loans and leases?

$27.09B (latest filing).

What is the total interest income (latest filing)?

$503.41M.