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Union Bank and Trust Company
Lincoln, NE·FDIC Cert #13421·Charter: STATE·Est. 19170228.0·HC: FARMERS&MERCHANTS INV INC
Total Assets
$9.1B
Q4 2025
Return on Assets
1.60%
+0.20%Peer avg: 1.21%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
55.24%
Peer avg: 56.5%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
60
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.60%+0.20
ROE
15.93%+1.83
Efficiency
55.24%-2.28
Equity/Assets
0.00%+0.00
NPL Ratio
0.53%-0.03
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
87.22%-2.14
Charge-offs
0.16%+0.09
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.3 | 1.3 | 1.4 | 1.5 | 1.4 | 1.4 | 1.4 | 1.6 |
| ROE | 13.6 | 13.8 | 14.3 | 15.1 | 14.4 | 13.8 | 14.1 | 15.9 |
| Efficiency | 61.6 | 59.9 | 60.2 | 58.4 | 57.9 | 57.6 | 57.5 | 55.2 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.2 | 0.2 | 0.2 | 0.4 | 0.4 | 0.4 | 0.6 | 0.5 |
| Charge-offs | 0.0 | 0.2 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.2 |
| Loan/Deposit | 92.5 | 94.1 | 89.9 | 84.4 | 86.7 | 89.2 | 89.4 | 87.2 |
Balance Sheet
Total Assets$9.1B
Total Deposits$7.7B
Total Loans$6.7B
Total Equity$955.6M
Profitability
ROA1.60%
ROE15.93%
Efficiency Ratio55.24%
Net Income$141.8M
Risk & Asset Quality
NPL Ratio0.53%
Charge-off Rate0.16%
Loan/Deposit87.22%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans