🏦Bank Scorer

UNION BANK AND TRUST COMPANY

LINCOLN, NE · Supervised by FDIC

Est. 1917FDIC #13,421RSSD: FDIC-13421
Part ofFARMERS&MERCHANTS INV INC→ View all charters
Satisfactory Same

Current rating · Exam: July 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.56%

Institution Profile

FDIC BankFind

Address

3643 S 48th St, LINCOLN, NE

County

Lancaster County

Established

February 28, 1917

Total Assets

$9.2B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

July 1, 2025

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jul 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$9.2B

Total Deposits

$7.6B

Net Loans

$6.9B

Net Income

$36M

ROA

1.56%

ROE

14.91%

Risk-Based Capital

13.51%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

36

Branch Deposits

$7.4B

1-Year Change

0

5-year net change: +3 branches

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

12 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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