BlastPoint's Banking Scorecard
Union Bank and Trust Company
Mid-Market
Specialty: Commercial
NE
FDIC cert 13421
Designations: ✓ Community bank
Lincoln, NE
201
banks in Mid-Market tier nationally
2 in NE
View Mid-Market leaderboard (NE) →
Union Bank and Trust Company has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 31% in Mid-Market
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 33% in Mid-Market
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$9.1B
+3.8% YoY
+2.4% QoQ
|
-$1.4B |
$10.5B
+2.9% YoY
|
$784.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
57% |
| Total Loans ? |
$6.7B
+6.7% YoY
+1.9% QoQ
|
-$385.2M |
$7.1B
+4.5% YoY
|
$552.2M
+6.8% YoY
|
$3.1B
+8.5% YoY
|
60% |
| Total Deposits ? |
$7.7B
+3.2% YoY
+4.4% QoQ
|
-$804.9M |
$8.5B
+3.0% YoY
|
$649.0M
+5.0% YoY
|
$4.7B
+6.3% YoY
|
59% |
| Return on Assets ? |
1.60%
+10.3% YoY
+14.3% QoQ
|
+0.44% |
1.16%
+9.4% YoY
|
1.20%
+15.2% YoY
|
1.12%
+15.6% YoY
|
81% |
| Net Interest Margin ? |
3.68%
+11.2% YoY
+0.4% QoQ
|
+0.28% |
3.40%
+7.9% YoY
|
3.74%
+7.8% YoY
|
3.75%
+7.1% YoY
|
61% |
| Efficiency Ratio ? |
55.24%
-5.5% YoY
-4.0% QoQ
|
-1.36% |
56.60%
-3.2% YoY
|
61.59%
-6.3% YoY
|
65.09%
-5.1% YoY
|
58% |
| Delinquency Rate ? |
0.53%
+23.4% YoY
-5.8% QoQ
|
-0.15% |
0.68%
+12.0% YoY
|
0.29%
+38.1% YoY
|
0.66%
+20.3% YoY
|
54% |
| Loan-to-Deposit Ratio ? |
87.22%
+3.4% YoY
-2.4% QoQ
|
+1.75% |
85.47%
+1.1% YoY
|
82.86%
+0.3% YoY
|
78.04%
+0.7% YoY
|
48% |
| Non-Interest-Bearing Deposit Share ? |
14.40%
-10.7% YoY
+4.6% QoQ
|
-6.24% |
20.64%
-0.3% YoY
|
18.22%
-2.1% YoY
|
21.79%
-1.3% YoY
|
24% |
| Nonperforming Asset Ratio ? |
0.39%
+26.7% YoY
-6.3% QoQ
|
-0.11% |
0.50%
+7.3% YoY
|
0.26%
+54.6% YoY
|
0.48%
+20.8% YoY
|
53% |
| Tier 1 Capital Ratio ? |
12.37%
+3.9% YoY
+2.9% QoQ
|
-1.18% |
13.55%
+1.8% YoY
|
6.79%
+0.2% YoY
|
9.75%
-1.9% YoY
|
42% |
| Non-Interest Income / Assets ? |
1.53%
-0.6% YoY
+50.4% QoQ
|
+0.57% |
0.96%
+7.1% YoY
|
0.47%
-3.0% YoY
|
0.65%
+0.6% YoY
|
Top 10% in tier |
Signature Analysis
Strengths (1)
Revenue Diversifier
growth
#16 of 49 · Top 31% in Mid-Market
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.53%
(Tier: 0.96%, National: 0.65%)
Return on Assets:
1.60%
(Tier: 1.16%, National: 1.12%)
49 of 49 Mid-Market banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Concerns (1)
Credit Risk Growth
risk
#29 of 87 · Bottom 33% in Mid-Market
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
87 of 87 Mid-Market banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
90
90th pctile
Non-Interest Income / Assets
Current: 1.53% · Tier avg: 0.96%
81
81th pctile
Return on Assets
Current: 1.60% · Tier avg: 1.16%
61
61th pctile
Net Interest Margin
Current: 3.68% · Tier avg: 3.40%
60
60th pctile
Total Loans
Current: $6.7B · Tier avg: $7.1B
59
59th pctile
Total Deposits
Current: $7.7B · Tier avg: $8.5B
58
58th pctile
Efficiency Ratio
Current: 55.24% · Tier avg: 56.60%
57
57th pctile
Total Assets
Current: $9.1B · Tier avg: $10.5B
54
54th pctile
Delinquency Rate
Current: 0.53% · Tier avg: 0.68%
53
53th pctile
Nonperforming Asset Ratio
Current: 0.39% · Tier avg: 0.50%
48
48th pctile
Loan-to-Deposit Ratio
Current: 87.22% · Tier avg: 85.47%
42
42th pctile
Tier 1 Capital Ratio
Current: 12.37% · Tier avg: 13.55%
24
24th pctile
Non-Interest-Bearing Deposit Share
Current: 14.40% · Tier avg: 20.64%
Top Weaknesses
24
24th pctile
Non-Interest-Bearing Deposit Share
Current: 14.40% · Tier avg: 20.64%
42
42th pctile
Tier 1 Capital Ratio
Current: 12.37% · Tier avg: 13.55%
48
48th pctile
Loan-to-Deposit Ratio
Current: 87.22% · Tier avg: 85.47%
53
53th pctile
Nonperforming Asset Ratio
Current: 0.39% · Tier avg: 0.50%
54
54th pctile
Delinquency Rate
Current: 0.53% · Tier avg: 0.68%
57
57th pctile
Total Assets
Current: $9.1B · Tier avg: $10.5B
58
58th pctile
Efficiency Ratio
Current: 55.24% · Tier avg: 56.60%
59
59th pctile
Total Deposits
Current: $7.7B · Tier avg: $8.5B
60
60th pctile
Total Loans
Current: $6.7B · Tier avg: $7.1B
61
61th pctile
Net Interest Margin
Current: 3.68% · Tier avg: 3.40%
81
81th pctile
Return on Assets
Current: 1.60% · Tier avg: 1.16%
90
90th pctile
Non-Interest Income / Assets
Current: 1.53% · Tier avg: 0.96%