Union Bank and Trust Company (FDIC certificate #13421) is based in Lincoln, Nebraska. Its Q2 2026 call report shows $9.2B in total assets and $7.5B in deposits and 37 offices across 3 states.
Union Bank and Trust Company has a TellerScore of 76 out of 100 (strong) based on Q2 2026 data — higher than 80% of its 897 banks with $1 billion – $10 billion. Among 139 banks headquartered in Nebraska, it ranks 59th. Problem-loan coverage contributes the most (96/100, 2.0%); capital cushion contributes the least (56/100, 10.65%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 5 points (71 → 76), mostly because the earnings component improved by 12 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 72 |
| Q3 2024 | 72 |
| Q4 2024 | 72 |
| Q1 2025 | 71 |
| Q2 2025 | 71 |
| Q3 2025 | 70 |
| Q4 2025 | 74 |
| Q1 2026 | 74 |
| Q2 2026 | 76 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.94% |
| Q3 2024 | 9.47% |
| Q4 2024 | 9.82% |
| Q1 2025 | 9.39% |
| Q2 2025 | 9.80% |
| Q3 2025 | 9.80% |
| Q4 2025 | 10.39% |
| Q1 2026 | 10.10% |
| Q2 2026 | 10.65% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.20% |
| Q3 2024 | 0.21% |
| Q4 2024 | 0.42% |
| Q1 2025 | 0.37% |
| Q2 2025 | 0.39% |
| Q3 2025 | 0.55% |
| Q4 2025 | 0.52% |
| Q1 2026 | 0.31% |
| Q2 2026 | 0.32% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.34% |
| Q3 2024 | 1.37% |
| Q4 2024 | 1.45% |
| Q1 2025 | 1.41% |
| Q2 2025 | 1.36% |
| Q3 2025 | 1.40% |
| Q4 2025 | 1.60% |
| Q1 2026 | 1.56% |
| Q2 2026 | 1.66% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 76 | $9.2B | 10.65% | 0.32% | 1.66% | 91.6% |
| Q1 2026 | 74 | $9.2B | 10.10% | 0.31% | 1.56% | 90.3% |
| Q4 2025 | 74 | $9.1B | 10.39% | 0.52% | 1.60% | 87.2% |
| Q3 2025 | 70 | $8.9B | 9.80% | 0.55% | 1.40% | 89.4% |
| Q2 2025 | 71 | $8.8B | 9.80% | 0.39% | 1.36% | 89.2% |
| Q1 2025 | 71 | $8.7B | 9.39% | 0.37% | 1.41% | 86.7% |
| Q4 2024 | 72 | $8.8B | 9.82% | 0.42% | 1.45% | 84.4% |
| Q3 2024 | 72 | $8.8B | 9.47% | 0.21% | 1.37% | 89.9% |
| Q2 2024 | 72 | $8.5B | 9.94% | 0.20% | 1.34% | 94.1% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Nebraska
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Pinnacle BankBank Lincoln, NE | 74 out of 100, Strong | $9.2B | 9.9% | 0.07% | vs |
| Cornerstone BankBank York, NE | 56 out of 100, Moderate | $2.7B | 9.9% | 1.55% | vs |
| Security First BankBank Lincoln, NE | 65 out of 100, Moderate | $2.3B | 8.3% | 0.17% | vs |
| Five Points BankBank Grand Island, NE | 76 out of 100, Strong | $2.2B | 10.3% | 0.01% | vs |
| Security National Bank of OmahaBank Omaha, NE | 62 out of 100, Moderate | $1.9B | 10.6% | 1.03% | vs |
| Exchange BankBank Kearney, NE | 54 out of 100, Below average | $1.6B | 11.4% | 3.49% | vs |
Deposit insurance
Is my money safe at Union Bank and Trust Company?
Yes. Union Bank and Trust Company is an FDIC-insured institution (FDIC certificate #13421). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 11.8% of deposits ($885.4M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.65%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.96% (benchmark: 10%).
37 locations
Branches
Union Bank and Trust Company lists 37 offices in 18 cities across 3 states. Most locations:
- Lincoln, NE (19)
- Omaha, NE (2)
- Ainsworth, NE (1)
- Auburn, NE (1)
- Bonner Springs, KS (1)
- Columbus, NE (1)
- Crete, NE (1)
- David City, NE (1)
- Fairbury, NE (1)
- Fort Collins, CO (1)
- Grand Island, NE (1)
- Leawood, KS (1)
HMDA 2025
Mortgage lending
In 2025, Union Bank and Trust Company reported 1,986 home-loan applications under HMDA (LEI R6KJ2D7C3UT8OVTWHS39): 1,487 originated ($638,005,000 total), 204 denied, and 246 withdrawn or closed by the applicant. Its denial rate on decided applications was 11.7%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Union Bank and Trust Company
- Former names
- Union Bank
- Type
- State-chartered bank
- FDIC certificate #
- 13421
- RSSD ID
- 450856
- Primary regulator
- FDIC
- Holding company
- Farmers&merchants Inv Inc
- Established
- February 28, 1917
- Headquarters
- 3643 S 48th St, Lincoln, NE 68506
- Website
- www.ubt.com
- Employees
- 1,069
Quick answers
Union Bank and Trust Company: common questions
Is Union Bank and Trust Company FDIC insured?
Yes. Union Bank and Trust Company is an FDIC-insured institution (FDIC certificate #13421). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Union Bank and Trust Company's TellerScore?
76 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Union Bank and Trust Company ever failed?
There is no failure record for FDIC certificate #13421 in the FDIC failed bank list.
How many branches does Union Bank and Trust Company have?
37 offices as of the latest FDIC data, in 3 states.
Nearby
Highest-scoring banks and credit unions with branches near Lincoln
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| CerescoBankBank Ceresco, NE | 92 out of 100, Very strong | $81.3M | 13.9% | 0.06% | vs |
| Countryside BankBank Unadilla, NE | 90 out of 100, Very strong | $118.5M | 15.2% | 0.35% | vs |
| Nebraska State Employees Credit UnionCredit union Lincoln, NE | 89 out of 100, Very strong | $36.8M | 14.0% | 0.11% | vs |
| Spirit of America Federal Credit UnionCredit union Lincoln, NE | 89 out of 100, Very strong | $53.2M | 12.9% | 0.01% | vs |
| First Northeast Bank of NebraskaBank Lyons, NE | 88 out of 100, Very strong | $472.6M | 13.5% | 0.22% | vs |
| Cattle Bank and TrustBank Seward, NE | 87 out of 100, Very strong | $421.9M | 12.9% | 0.08% | vs |