TellerScore

Headquartered in Elgin, Illinois, Union National Bank and Trust Company of Elgin is a national bank with $421.8M in total assets and $376.9M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1904.

Based on its Q2 2026 filing, Union National Bank and Trust Company of Elgin scores 73/100, which we describe as strong. That is higher than 53% of 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 130th. Its strongest component is loan quality (100/100; 0.00%), and its lowest is funding & liquidity (45/100; 92% loans-to-deposits, 37% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion49/100
Tier 1 leverage ratio: 9.85%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings81/100
Return on assets (annualized): 1.52%
Funding & liquidity45/100
Loans ÷ deposits and uninsured-deposit share: 91.5% · 36.6% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

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 4 points (77 → 73), mostly because the earnings component weakened by 12 points.

TellerScore
717578Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202475
Q3 202477
Q4 202471
Q1 202575
Q2 202577
Q3 202578
Q4 202573
Q1 202674
Q2 202673
Tier 1 leverage ratio
5.00%8.29%11.57%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.24%
Q3 202411.57%
Q4 202410.13%
Q1 202510.05%
Q2 202510.89%
Q3 202511.27%
Q4 202510.02%
Q1 202610.16%
Q2 20269.85%
Noncurrent loans
0.00%0.00%0.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
1.39%1.61%1.83%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.49%
Q3 20241.52%
Q4 20241.39%
Q1 20251.83%
Q2 20251.81%
Q3 20251.76%
Q4 20251.69%
Q1 20261.61%
Q2 20261.52%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202673$421.8M9.85%0.00%1.52%91.5%
Q1 202674$409.1M10.16%0.00%1.61%92.4%
Q4 202573$377.1M10.02%0.00%1.69%95.9%
Q3 202578$381.6M11.27%0.00%1.76%92.7%
Q2 202577$368.6M10.89%0.00%1.81%95.6%
Q1 202575$389.3M10.05%0.00%1.83%87.6%
Q4 202471$374.1M10.13%0.00%1.39%92.0%
Q3 202477$364.1M11.57%0.00%1.52%94.4%
Q2 202475$354.3M11.24%0.00%1.49%97.4%

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).

Capital ratio9.85%
28th
Total risk-based capital18.94%
84th
Problem loans0.00%
94th
Net charge-offs-0.00%
81st
Return on assets1.52%
66th
Net interest margin3.69%
36th
Efficiency ratio41.5%
95th
Loans to deposits91.5%
23rd
Uninsured deposits36.6%
15th
Loan-loss reserves1.03%
30th
Texas ratio0.0%
95th

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
First Federal Savings BankBank Ottawa, IL57 out of 100, Moderate$421.9M10.7%1.32%vs
The First National Bank of AllendaleBank Allendale, IL69 out of 100, Moderate$421.2M9.8%0.17%vs
First National Bank of BrookfieldBank Brookfield, IL82 out of 100, Strong$419.6M13.0%0.00%vs
Devon BankBank Chicago, IL50 out of 100, Below average$418.6M6.3%0.27%vs
Alliance Community BankBank Petersburg, IL70 out of 100, Strong$414.5M9.1%0.55%vs
Community Savings BankBank Chicago, IL75 out of 100, Strong$410.2M13.5%0.20%vs

Deposit insurance

Is my money safe at Union National Bank and Trust Company of Elgin?

Yes. Union National Bank and Trust Company of Elgin is an FDIC-insured institution (FDIC certificate #3661). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 36.6% of deposits ($137.9M) 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 9.85%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 18.94% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

Union National Bank and Trust Company of Elgin lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Union National Bank and Trust Company of Elgin
Former names
The Union National Bank of Elgin
Type
National bank
FDIC certificate #
3661
RSSD ID
963730
Primary regulator
OCC
Holding company
Elgin Bancshares Inc
Established
May 21, 1904
Headquarters
101 E Chicago St, Elgin, IL 60120
Employees
27

Quick answers

Union National Bank and Trust Company of Elgin: common questions

Is Union National Bank and Trust Company of Elgin FDIC insured?

Yes. Union National Bank and Trust Company of Elgin is an FDIC-insured institution (FDIC certificate #3661). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Union National Bank and Trust Company of Elgin's TellerScore?

73 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 National Bank and Trust Company of Elgin ever failed?

There is no failure record for FDIC certificate #3661 in the FDIC failed bank list.

How many branches does Union National Bank and Trust Company of Elgin have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Elgin

InstitutionScoreAssetsCapitalProblem loansCompare
Aurora Policemen Credit UnionCredit union Aurora, IL95 out of 100, Very strong$26.3M15.3%0.00%vs
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First Eagle BankBank Chicago, IL91 out of 100, Very strong$649.6M21.3%0.10%vs
Earthmover Credit UnionCredit union Aurora, IL87 out of 100, Very strong$471.7M19.3%0.75%vs
Northwest Municipal Federal Credit UnionCredit union Des Plaines, IL86 out of 100, Very strong$41.4M13.7%0.09%vs