BlastPoint's Banking Scorecard
Union National Bank and Trust Company of Elgin
Micro
Specialty: Commercial
IL
FDIC cert 3661
Designations: ✓ Community bank
Elgin, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
Union National Bank and Trust Company of Elgin has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 26.52% below tier
- + Delinquency Rate 0.64% below tier
- + Non-Interest-Bearing Deposit Share 19.13% above tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.56% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$377.1M
+0.8% YoY
-1.2% QoQ
|
+$159.6M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
85% |
| Total Loans ? |
$322.5M
+4.7% YoY
+3.5% QoQ
|
+$183.3M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Top 5% in tier |
| Total Deposits ? |
$336.3M
+0.4% YoY
+0.1% QoQ
|
+$152.6M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
Top 12% in tier |
| Return on Assets ? |
1.69%
+21.5% YoY
-4.0% QoQ
|
+0.60% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
82% |
| Net Interest Margin ? |
4.07%
+7.3% YoY
+1.3% QoQ
|
+0.22% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
62% |
| Efficiency Ratio ? |
41.20%
-16.3% YoY
+6.5% QoQ
|
-26.52% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
Top 2% in tier |
| Delinquency Rate ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.64% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
95.88%
+4.2% YoY
+3.4% QoQ
|
+21.36% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Bottom 14% in tier |
| Non-Interest-Bearing Deposit Share ? |
41.52%
+2.4% YoY
-6.5% QoQ
|
+19.13% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
Top 6% in tier |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.45% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
15.39%
-8.2% YoY
-13.7% QoQ
|
+6.54% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
74% |
| Non-Interest Income / Assets ? |
0.00%
-100.0% YoY
+100.0% QoQ
|
-0.56% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 1% in tier |
Signature Analysis
Strengths (4)
Efficiency Ratio
metric
Top 2%
in Micro
Why this stands out
Current:
41.20%
(Tier avg: 67.73%, National avg: 65.09%)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Top 6%
in Micro
Why this stands out
Current:
41.52%
(Tier avg: 22.39%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (1)
Non-Interest Income / Assets
metric
Bottom 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.56%, National avg: 0.65%)
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
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
98
98th pctile
Efficiency Ratio
Current: 41.20% · Tier avg: 67.73%
95
95th pctile
Total Loans
Current: $322.5M · Tier avg: $139.2M
94
94th pctile
Non-Interest-Bearing Deposit Share
Current: 41.52% · Tier avg: 22.39%
88
88th pctile
Total Deposits
Current: $336.3M · Tier avg: $183.7M
85
85th pctile
Total Assets
Current: $377.1M · Tier avg: $217.5M
82
82th pctile
Return on Assets
Current: 1.69% · Tier avg: 1.08%
74
74th pctile
Tier 1 Capital Ratio
Current: 15.39% · Tier avg: 8.85%
62
62th pctile
Net Interest Margin
Current: 4.07% · Tier avg: 3.85%
14
14th pctile
Loan-to-Deposit Ratio
Current: 95.88% · Tier avg: 74.53%
0
0th pctile
Non-Interest Income / Assets
Current: 0.00% · Tier avg: 0.56%
Top Weaknesses
0
0th pctile
Non-Interest Income / Assets
Current: 0.00% · Tier avg: 0.56%
14
14th pctile
Loan-to-Deposit Ratio
Current: 95.88% · Tier avg: 74.53%
62
62th pctile
Net Interest Margin
Current: 4.07% · Tier avg: 3.85%
74
74th pctile
Tier 1 Capital Ratio
Current: 15.39% · Tier avg: 8.85%
82
82th pctile
Return on Assets
Current: 1.69% · Tier avg: 1.08%
85
85th pctile
Total Assets
Current: $377.1M · Tier avg: $217.5M
88
88th pctile
Total Deposits
Current: $336.3M · Tier avg: $183.7M
94
94th pctile
Non-Interest-Bearing Deposit Share
Current: 41.52% · Tier avg: 22.39%
95
95th pctile
Total Loans
Current: $322.5M · Tier avg: $139.2M
98
98th pctile
Efficiency Ratio
Current: 41.20% · Tier avg: 67.73%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%