Union Bank and Trust Company
Headquarters
3643 S 48th St
Lincoln, NE 68506
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Reviewed by rick | November 3, 2023 |
site does not update at all, totally wrong rates listed
2024 Overview
General Bank Information
Union Bank and Trust Company is an FDIC insured institution located in Lincoln, NE. It was founded in 1917 and has approximately $8.5 billion in assets. Customers can open an account at one of its 38 branches.
| FDIC Insured | Yes |
| FDIC Certificate | # 13421 |
| Date Established | 1917 |
| Assets | $ 8.50 billion |
| Loans | $ 6.20 billion |
| Deposits | $ 6.59 billion |
| Capital | $ 854.13 million |
For a more detailed analysis of Union Bank and Trust Company's financial condition and a description of what these numbers mean, please visit the Financial Details section.
Deposit Rates - November 21, 2024
Your Current Location: Ohio, OH 43085
| CD Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| 12 Mo CD
|
4.30% | $1,000 | - |
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|
| 24 Month CD
|
2.02% | $1,000 | - |
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|
| 48 Month CD
|
2.27% | $1,000 | - |
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|
| 60 Mo CD
|
2.32% | $1,000 | - |
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|
| Fixed IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| 12 Mo FIRA
|
4.30% | $25,000 | - | Learn More |
| 60 Mo FIRA
|
2.32% | $25,000 | - | Learn More |
Loan Rates - November 21, 2024
Your Current Location: Ohio, OH 43085
| Refinance Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 10 Year Fixed Conforming See Amortization Table |
7.04% | 6.88% | $3,695.71 | |
| 15 Year Fixed Conforming See Amortization Table |
7.11% | 7.00% | $2,876.25 | |
| 20 Year Fixed Conforming See Amortization Table |
7.47% | 7.38% | $2,554.47 | |
| 30 Year Fixed Conforming See Amortization Table |
7.57% | 7.50% | $2,237.49 |
| Purchase Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 10 Year Fixed Conforming See Amortization Table |
7.04% | 6.88% | $3,695.71 | |
| 15 Year Fixed Conforming See Amortization Table |
7.11% | 7.00% | $2,876.25 | |
| 20 Year Fixed Conforming See Amortization Table |
7.47% | 7.38% | $2,554.47 | |
| 30 Year Fixed Conforming See Amortization Table |
7.57% | 7.50% | $2,237.49 | |
Compare with 6.494% APR and 6.375% 30-Year Fixed RATE from Pure Rate Mortgage
See All Mortgage Rates |
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Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.
Branches
Union Bank and Trust Company branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Union Bank and Trust Company Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 620.50 | A | View Lobby Hours | |
| 633.01 | B | View Lobby Hours | |
| 681.12 | C | View Lobby Hours | |
| 697.24 | D | View Lobby Hours | |
| 704.96 | E | View Lobby Hours | |
| 704.96 | F | View Lobby Hours | |
| 723.09 | G | View Lobby Hours | |
| 723.67 | H | View Lobby Hours | |
| 724.20 | I | View Lobby Hours | |
| 724.82 | J | View Lobby Hours | |
| 725.92 | K | View Lobby Hours | |
| 725.92 | L | View Lobby Hours | |
| 725.92 | M | View Lobby Hours | |
| 725.96 | N | View Lobby Hours | |
| 725.97 | O | View Lobby Hours | |
| 726.17 | P | View Lobby Hours | |
| 726.35 | Q | View Lobby Hours | |
| 727.07 | R | View Lobby Hours | |
| 727.25 | S | View Lobby Hours | |
| 727.25 | T | View Lobby Hours | |
| 727.75 | U | View Lobby Hours | |
| 727.86 | V | View Lobby Hours | |
| 728.18 | W | View Lobby Hours | |
| 728.39 | X | View Lobby Hours | |
| 728.69 | Y | View Lobby Hours | |
| 729.17 | Z | View Lobby Hours |
Climate Policy and Initiatives
Union Bank and Trust Company is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.
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Financial Details
Union Bank and Trust Company Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Union Bank and Trust Company. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.
Texas Ratio
| Union Bank and Trust Company | U.S. Bank Average |
|---|---|
| 1.29% | 4.48% |
The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.
As of June 30, 2024, Union Bank and Trust Company had $12,345,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $854,129,000 in equity and $99,494,000 in loans loss reserves. That gives it a Texas Ratio of 1.29%.
Return on Equity
| Union Bank and Trust Company | U.S. Bank Average |
|---|---|
| 13.83% | 10.46% |
Union Bank and Trust Company has a Return on Equity of 13.83% versus the BestCashCow average of 10.46%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.
Capitalization
| Union Bank and Trust Company | U.S. Bank Average |
|---|---|
| 10.05% | 10.84% |
Union Bank and Trust Company has a Capitalization of 10.05% versus the BestCashCow average of 10.84. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.
Union Bank and Trust Company Balance Sheet Analysis
As of June 30, 2024, Union Bank and Trust Company had assets of $8,500,660,000, loans of $6,197,741,000, and deposits of $6,588,750,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.
Summary Balance Sheet
June 30, 2024| ASSETS | |
|---|---|
| Cash & Balances due from depository institutions | $ 102.75 million |
| Interest-bearing balances | $ 45.79 million |
| Total securities | $ 1,776.33 million |
| Federal funds sold and reverse repurchase | N.A. |
| Net loans and leases | $ 6.20 billion |
| Loan loss allowance | $ 99.49 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | N.A. |
| Goodwill and other intangibles | $ 19.90 million |
| All other assets | $ 254.53 million |
| Total Assets | $ 7.65 billion |
| LIABILITIES | |
|---|---|
| Total deposits | $ 6.59 billion |
| Interest-bearing deposits | $ 5.63 billion |
| Deposits held in domestic offices | $ 6.59 billion |
| % insured (estimated) | 87.55% |
| Federal funds purchased and repurchase agreements | $ 150.00 million |
| Trading liabilities | N.A. |
| Other borrowed funds | $ 723.67 million |
| Subordinated debt | N.A. |
| All other liabilities | $ 70.63 million |
| Total Liabilities | $ 7.65 billion |
| Shareholders’ Equity | $ 854.13 million |
Summary Income Statement
June 30, 2024| INCOME AND EXPENSES | |
|---|---|
| Total Interest Income | $ 250.03 million |
| Total Interest Expense | $ 128.21 million |
| Net interest income | $ 121.82 million |
| Provision for loan and lease losses | $ 5.29 million |
| Total non interest income | $ 71.06 million |
| Total non interest expense | $ 115.54 million |
| Pre-tax Net Operating Income | $ 64.38 million |
Bank Loan Profile?
The top three loan types in Union Bank and Trust Company’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and Construction and Development Loans.
Compared to other banks in Nebraska, Union Bank and Trust Company has a significantly higher percent of Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.
Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.
| % Loans |
% Comparison to Other Banks |
|||
|---|---|---|---|---|
| Low | Med | High | ||
| 1-4 Family Residential Loans | 3.76 | ✓ | ||
| Multifamily Mortgages |
2.50 | ✓ | ||
| Credit Card Loans | 0.26 | ✓ | ||
| Consumer Auto Loans | 4.16 | ✓ | ||
| Small Business Loans | 3.82 | ✓ | ||
| Construction and Development Loans | 8.68 | ✓ | ||
| Commercial Real Estate | 25.94 | ✓ | ||
| Commercial and Industrial Loans | 16.90 | ✓ | ||
| Farm Loans | 1.31 | ✓ | ||
Customer Reviews for Union Bank and Trust Company
rick
November 3, 2023 |
site does not update at all, totally wrong rates listed
Is this review helpful? Yes:0 / No: 0
Larry
June 5, 2021
Wrong rates according to this web site best cash cow cd rates best cash cow .65 union bank .40
Is this review helpful? Yes:0 / No: 0
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