Union Bank and Trust Company
Lincoln, NE
IDRSSD: 450856
Total Assets
$9.09B
Latest filing
Total Deposits
$7.73B
Latest filing
Net Interest Margin
3.73%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
104910795LINCOLN, NE
Key People
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Locations
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Main Office
Union Bank and Trust Company
3643 S 48th St
Lincoln, NE 68506
Full Service - Brick and Mortar
Updated 01/30/2026Established 02/28/1917FDIC Certificate 8451
Branches (36)
Page 1 of 6| Name | Address | City / State |
|---|---|---|
| Union Bank and Trust Company (Main) | 3643 S 48th St | Lincoln, NE |
| GRAND ISLAND BRANCH | 2008 N Webb Rd | Grand Island, NE |
| DETACHED TELLER'S FACILITY | 2201 Nebraska Pkwy | Lincoln, NE |
| DRIVE-IN FACILITY | 4800 Normal Blvd | Lincoln, NE |
| DEPOT FACILITY | 1940 O St | Lincoln, NE |
| NORTHEAST BRANCH | 1300 N 48th St | Lincoln, NE |
| HY-VEE GROCERY BRANCH | 6001 Village Dr | Lincoln, NE |
| AUBURN BRANCH | 1301 J St | Auburn, NE |
Showing 7 of 36
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 02/28/1917 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 68506 |
| State and County Number | 31109 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 10 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | Lincoln, NE |
Operational Info
| Number of Employees | 1,037 |
| Domestic Offices | 37 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2024 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.ubt.com |
| Data Updated | 01/30/2026 |
| CERT | 13421 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $9.09B |
| Total Deposits | $7.73B |
| Total Liabilities | $8.14B |
| Total Equity Capital | $955.61M |
| Net Income | $49.41M |
| Net Loans and Leases | $6.75B |
| Assets Per Employee ($Millions) | $8.64M |
| Bank Premises and Fixed Assets | $131.37M |
| Cash and Balances due from Depository Institutions | $76.86M |
| Deposits Held in Domestic Offices | $7.73B |
Key Performance Ratios
| Return on Assets (ROA) | 2.2% |
| Return on Equity (ROE) | 21.2% |
| Net Interest Margin | 3.73% |
| Efficiency Ratio | 49.55% |
| Tier 1 Risk-Based Capital Ratio | 12.371% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.36% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.509% |
| Earning Assets to total Assets | 93.91% |
Income and Expense
| Total Interest Income | $132.58M |
| Total Noninterest Income | $48.81M |
| Total Interest Expense | $53.68M |
| Total Noninterest Expense | $63.28M |
| Net Interest Income | $78.90M |
| Pre-tax Net Operating Income | $56.31M |
| Provision for Credit Losses | $8.11M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $310.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $93.00M |
| Total Liabilities and Capital | $9.09B |
Securities
| Securities | $1.77B |
| Available-for-sale debt securities | $1.77B |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Union Bank and Trust Company?
$9.09B as of the latest filing.
How much are Union Bank and Trust Company's total deposits?
$7.73B in total deposits.
Where is Union Bank and Trust Company located?
Lincoln, NE.
What is the Net Interest Margin?
3.73%.
How many domestic offices does it operate?
37.
When was it established?
02/28/1917.
What is the Return on Assets (ROA)?
2.2%.
How much are total loans and leases?
$6.75B (latest filing).
What is the total interest income (latest filing)?
$132.58M.