BlastPoint's Banking Scorecard
Union Bank and Trust Company
Micro
Specialty: Commercial
MN
FDIC cert 22242
Designations: ✓ Community bank
Minneapolis, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
Union Bank and Trust Company has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 52.80% above tier
- + Non-Interest Income / Assets 1.34% above tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 3.34% above tier
- - Nonperforming Asset Ratio 2.32% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$239.4M
+27.5% YoY
-4.3% QoQ
|
+$21.9M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
60% |
| Total Loans ? |
$102.9M
+6.5% YoY
+0.1% QoQ
|
-$36.2M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
44% |
| Total Deposits ? |
$216.5M
+28.8% YoY
-5.1% QoQ
|
+$32.8M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
64% |
| Return on Assets ? |
1.11%
+18.9% YoY
+2.6% QoQ
|
+0.03% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
53% |
| Net Interest Margin ? |
4.22%
+10.2% YoY
-0.9% QoQ
|
+0.37% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
69% |
| Efficiency Ratio ? |
70.21%
-7.8% YoY
-2.7% QoQ
|
+2.49% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
39% |
| Delinquency Rate ? |
3.97%
-36.8% YoY
+57.1% QoQ
|
+3.34% |
0.64%
+24.4% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
47.56%
-17.3% YoY
+5.4% QoQ
|
-26.97% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
Top 11% in tier |
| Non-Interest-Bearing Deposit Share ? |
75.19%
-13.3% YoY
-2.9% QoQ
|
+52.80% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
Top 1% in tier |
| Nonperforming Asset Ratio ? |
2.77%
-14.3% YoY
+34.7% QoQ
|
+2.32% |
0.45%
+25.1% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
17.20%
+0.4% YoY
+2.3% QoQ
|
+8.35% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
79% |
| Non-Interest Income / Assets ? |
1.91%
-13.8% YoY
+40.1% QoQ
|
+1.34% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
Top 3% in tier |
Signature Analysis
Strengths (2)
Non-Interest-Bearing Deposit Share
metric
Top 1%
in Micro
Why this stands out
Current:
75.19%
(Tier avg: 22.39%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Top 3%
in Micro
Why this stands out
Current:
1.91%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (2)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
3.97%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
2.77%
(Tier avg: 0.45%, National avg: 0.48%)
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
100
100th pctile
Non-Interest-Bearing Deposit Share
Current: 75.19% · Tier avg: 22.39%
97
97th pctile
Non-Interest Income / Assets
Current: 1.91% · Tier avg: 0.56%
89
89th pctile
Loan-to-Deposit Ratio
Current: 47.56% · Tier avg: 74.53%
79
79th pctile
Tier 1 Capital Ratio
Current: 17.20% · Tier avg: 8.85%
69
69th pctile
Net Interest Margin
Current: 4.22% · Tier avg: 3.85%
64
64th pctile
Total Deposits
Current: $216.5M · Tier avg: $183.7M
60
60th pctile
Total Assets
Current: $239.4M · Tier avg: $217.5M
53
53th pctile
Return on Assets
Current: 1.11% · Tier avg: 1.08%
44
44th pctile
Total Loans
Current: $102.9M · Tier avg: $139.2M
39
39th pctile
Efficiency Ratio
Current: 70.21% · Tier avg: 67.73%
0
0th pctile
Delinquency Rate
Current: 3.97% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 2.77% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 2.77% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 3.97% · Tier avg: 0.64%
39
39th pctile
Efficiency Ratio
Current: 70.21% · Tier avg: 67.73%
44
44th pctile
Total Loans
Current: $102.9M · Tier avg: $139.2M
53
53th pctile
Return on Assets
Current: 1.11% · Tier avg: 1.08%
60
60th pctile
Total Assets
Current: $239.4M · Tier avg: $217.5M
64
64th pctile
Total Deposits
Current: $216.5M · Tier avg: $183.7M
69
69th pctile
Net Interest Margin
Current: 4.22% · Tier avg: 3.85%
79
79th pctile
Tier 1 Capital Ratio
Current: 17.20% · Tier avg: 8.85%
89
89th pctile
Loan-to-Deposit Ratio
Current: 47.56% · Tier avg: 74.53%
97
97th pctile
Non-Interest Income / Assets
Current: 1.91% · Tier avg: 0.56%
100
100th pctile
Non-Interest-Bearing Deposit Share
Current: 75.19% · Tier avg: 22.39%