Union National Bank and Trust Company of Elgin
Elgin, IL
IDRSSD: 963730
Total Assets
$381.61M
Latest filing
Total Deposits
$336.00M
Latest filing
Net Interest Margin
4.06%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Union National Bank and Trust Company of Elgin
101 E Chicago St
Elgin, IL 60120
Full Service - Brick and Mortar
Updated 11/14/2025Established 05/21/1904FDIC Certificate 2339
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Union National Bank and Trust Company of Elgin (Main) | 101 E Chicago St | Elgin, IL |
| COURIER SERVICE BRANCH | 101 E Chicago St | Elgin, IL |
Showing 1 of 1
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, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 05/21/1904 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 60120 |
| State and County Number | 17089 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 07 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Chicago-Naperville-Elgin, IL-IN-WI |
Operational Info
| Number of Employees | 23 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.unbelgin.com |
| Data Updated | 11/14/2025 |
| CERT | 3661 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $381.61M |
| Total Deposits | $336.00M |
| Total Liabilities | $338.92M |
| Total Equity Capital | $42.69M |
| Net Income | $1.57M |
| Net Loans and Leases | $311.45M |
| Assets Per Employee ($Millions) | $15.9M |
| Bank Premises and Fixed Assets | $617.00k |
| Cash and Balances due from Depository Institutions | $52.67M |
| Deposits Held in Domestic Offices | $336.00M |
Key Performance Ratios
| Return on Assets (ROA) | 1.67% |
| Return on Equity (ROE) | 14.95% |
| Net Interest Margin | 4.06% |
| Efficiency Ratio | 42.13% |
| Tier 1 Risk-Based Capital Ratio | 11.138% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.186% |
| Earning Assets to total Assets | 99.07% |
Income and Expense
| Total Interest Income | $4.94M |
| Total Noninterest Income | $-2,000 |
| Total Interest Expense | $1.17M |
| Total Noninterest Expense | $1.59M |
| Net Interest Income | $3.77M |
| Pre-tax Net Operating Income | $2.18M |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $1.95M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $965.00k |
| Total Liabilities and Capital | $381.61M |
Securities
| Securities | $14.45M |
| Available-for-sale debt securities | $0 |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $14.45M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Union National Bank and Trust Company of Elgin?
$381.61M as of the latest filing.
How much are Union National Bank and Trust Company of Elgin's total deposits?
$336.00M in total deposits.
Where is Union National Bank and Trust Company of Elgin located?
Elgin, IL.
What is the Net Interest Margin?
4.06%.
How many domestic offices does it operate?
2.
When was it established?
05/21/1904.
What is the Return on Assets (ROA)?
1.67%.
How much are total loans and leases?
$311.45M (latest filing).
What is the total interest income (latest filing)?
$4.94M.