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	1,015
Domestic Offices	36
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	11/14/2025
CERT	13421
Office of The Comptroller District:	—
Office of Thrift Supervision Region	N/A

Financial Summary

Total Assets	$8.88B
Total Deposits	$7.41B
Total Liabilities	$7.97B
Total Equity Capital	$909.22M
Net Income	$33.09M
Net Loans and Leases	$6.62B
Assets Per Employee ($Millions)	$8.56M
Bank Premises and Fixed Assets	$131.97M
Cash and Balances due from Depository Institutions	$75.19M
Deposits Held in Domestic Offices	$7.41B

Return on Assets (ROA)	1.5%
Return on Equity (ROE)	14.84%
Net Interest Margin	3.84%
Efficiency Ratio	57.38%
Tier 1 Risk-Based Capital Ratio	12.017%
Net Loans and Leases to Core Deposits	0%
Credit Loss Provision to Assets	0.17%
Cash Dividends to Net Income (YTD Only)	0%
Equity Capital to Assets	10.237%
Earning Assets to total Assets	94.49%

Total Interest Income	$135.06M
Total Noninterest Income	$30.83M
Total Interest Expense	$54.79M
Total Noninterest Expense	$63.76M
Net Interest Income	$80.27M
Pre-tax Net Operating Income	$43.56M
Provision for Credit Losses	$3.79M
Discontinued Operations (Extraordinary Gains - Net)	$0

Goodwill and Other Intangibles	$0
All Other Assets	$0
Other Real Estate Owned	$0
Other borrowed funds	$466.00M
Federal Funds Sold & Reverse Repurchase Agreement	$0
Federal Funds Purchased and Repurchased Agreement	$0
All Other Liabilities	$96.20M
Total Liabilities and Capital	$8.88B

Securities	$1.75B
Available-for-sale debt securities	$1.75B
Equity securities with readily determinable fair values not held for trading	$0
Held-to-maturity securities	$0
Subordinated Debt	$0
Trading Account Assets	$0
Trading Liabilities	$0

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

$8.88B as of the latest filing.

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

$7.41B in total deposits.

Where is Union Bank and Trust Company located?

Lincoln, NE.

What is the Net Interest Margin?

3.84%.

How many domestic offices does it operate?

36.

When was it established?

02/28/1917.

What is the Return on Assets (ROA)?

1.5%.

How much are total loans and leases?

$6.62B (latest filing).

What is the total interest income (latest filing)?

$135.06M.