Headquartered in Minneapolis, Minnesota, Union Bank and Trust Company is a state-chartered bank with $253.4M in total assets and $230.9M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1976.
Based on its Q2 2026 filing, Union Bank and Trust Company scores 38/100, which we describe as low. That is higher than only 2% of 2,650 banks with $100 million – $1 billion. Among 223 banks headquartered in Minnesota, it ranks 218th. Its strongest component is earnings (55/100; 0.87%), and its lowest is loan quality (0/100; 3.13%).
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 fell 8 points (46 → 38), mostly because the problem-loan coverage component weakened by 23 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 45 |
| Q3 2024 | 41 |
| Q4 2024 | 40 |
| Q1 2025 | 42 |
| Q2 2025 | 46 |
| Q3 2025 | 45 |
| Q4 2025 | 39 |
| Q1 2026 | 38 |
| Q2 2026 | 38 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.02% |
| Q3 2024 | 11.00% |
| Q4 2024 | 10.62% |
| Q1 2025 | 11.04% |
| Q2 2025 | 10.87% |
| Q3 2025 | 9.96% |
| Q4 2025 | 9.74% |
| Q1 2026 | 9.91% |
| Q2 2026 | 10.02% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 3.40% |
| Q3 2024 | 6.57% |
| Q4 2024 | 6.16% |
| Q1 2025 | 5.56% |
| Q2 2025 | 2.95% |
| Q3 2025 | 2.49% |
| Q4 2025 | 3.90% |
| Q1 2026 | 3.66% |
| Q2 2026 | 3.13% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.16% |
| Q3 2024 | 0.96% |
| Q4 2024 | 0.93% |
| Q1 2025 | 1.09% |
| Q2 2025 | 1.20% |
| Q3 2025 | 1.08% |
| Q4 2025 | 1.11% |
| Q1 2026 | 0.92% |
| Q2 2026 | 0.87% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 38 | $253.4M | 10.02% | 3.13% | 0.87% | 49.2% |
| Q1 2026 | 38 | $230.8M | 9.91% | 3.66% | 0.92% | 50.9% |
| Q4 2025 | 39 | $239.4M | 9.74% | 3.90% | 1.11% | 47.6% |
| Q3 2025 | 45 | $250.1M | 9.96% | 2.49% | 1.08% | 45.1% |
| Q2 2025 | 46 | $201.0M | 10.87% | 2.95% | 1.20% | 58.8% |
| Q1 2025 | 42 | $182.0M | 11.04% | 5.56% | 1.09% | 66.3% |
| Q4 2024 | 40 | $187.9M | 10.62% | 6.16% | 0.93% | 57.5% |
| Q3 2024 | 41 | $198.2M | 11.00% | 6.57% | 0.96% | 50.9% |
| Q2 2024 | 45 | $183.7M | 11.02% | 3.40% | 1.16% | 54.7% |
2,650 peers · $100 million – $1 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 Minnesota
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| VisionBankBank Saint Louis Park, MN | 57 out of 100, Moderate | $253.9M | 10.0% | 1.81% | vs |
| Drake BankBank Saint Paul, MN | 18 out of 100, Low | $247.4M | 7.3% | 4.49% | vs |
| Cornerstone State BankBank Montgomery, MN | 74 out of 100, Strong | $247.0M | 10.6% | 0.80% | vs |
| Grand Rapids State BankBank Grand Rapids, MN | 83 out of 100, Strong | $261.1M | 10.0% | 0.02% | vs |
| Security Bank USABank Bemidji, MN | 77 out of 100, Strong | $263.9M | 9.4% | 0.22% | vs |
| First Farmers & Merchants National BankBank Luverne, MN | 70 out of 100, Strong | $242.6M | 11.6% | 0.85% | 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 #22242). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 67.4% of deposits ($155.6M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.02%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 17.41% (benchmark: 10%).
1 location
Branches
Union Bank and Trust Company lists 1 office in 1 city. Most locations:
- Minneapolis, MN (1)
Identity & history
Profile
- Legal name
- Union Bank and Trust Company
- Former names
- Union State Bank of Minneapolis
- Type
- State-chartered bank
- FDIC certificate #
- 22242
- RSSD ID
- 689759
- Primary regulator
- FDIC
- Established
- March 15, 1976
- Headquarters
- 312 Central Ave Se, Minneapolis, MN 55414
- Website
- www.ubtmn.com
- Employees
- 44
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 #22242). 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?
38 out of 100 (Low), 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 #22242 in the FDIC failed bank list.
How many branches does Union Bank and Trust Company have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Minneapolis
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Vermillion State BankBank Vermillion, MN | 90 out of 100, Very strong | $931.4M | 13.4% | 0.24% | vs |
| Ziegler Federal Credit UnionCredit union Bloomington, MN | 87 out of 100, Very strong | $4.3M | 26.9% | 1.09% | vs |
| Carpenters Federal Credit UnionCredit union Saint Paul, MN | 86 out of 100, Very strong | $44.3M | 16.0% | 1.01% | vs |
| Think Mutual BankBank Rochester, MN | 86 out of 100, Very strong | $2.2B | 16.3% | 0.25% | vs |
| PrinsBankBank Prinsburg, MN | 85 out of 100, Very strong | $308.3M | 12.0% | 0.29% | vs |
| Toro Employees Federal Credit UnionCredit union Bloomington, MN | 84 out of 100, Strong | $41.5M | 14.5% | 0.56% | vs |