Union Bank&Trust Co (FDIC #13421): Bank Stress & Real-Estate Credit Exposure
Union Bank&Trust Co (FDIC Cert #13421): bank stress 55/100, moderate, STABLE over 7 days; parent FARMERS&MERCHANTS INV INC.
Union Bank&Trust Co (#13421) lends in 18 counties across 3 states; Union Bank&Trust Co (#13421) reaches 286 ZIP codes: Nebraska 15 counties, 214 ZIPs; Kansas 2 counties, 48 ZIPs; Colorado 1 county, 24 ZIPs.
Union Bank&Trust Co (#13421) largest markets: Lancaster County, NE (836 branches, 44 ZIPs) (#13421), Douglas County, NE (74 branches, 37 ZIPs) (#13421), Johnson County, KS (35 branches, 35 ZIPs) (#13421), Larimer County, CO (24 branches, 24 ZIPs) (#13421), Cherry County, NE (19 branches, 19 ZIPs) (#13421), Seward County, NE (19 branches, 19 ZIPs) (#13421).
Union Bank&Trust Co (#13421) reports $9.24 billion in total assets; Union Bank&Trust Co (#13421) equity $999.2 million (10.8% of Union Bank&Trust Co (#13421) assets); Union Bank&Trust Co (#13421) domestic deposits $7.52 billion; Union Bank&Trust Co (#13421) net income $76.0 million; Union Bank&Trust Co (#13421) return on assets 1.66%; Union Bank&Trust Co (#13421) return on equity 15.67%; Union Bank&Trust Co (#13421) net interest income $159.4 million; Union Bank&Trust Co (#13421) call report June 30, 2026.
Union Bank&Trust Co (#13421) noncurrent real-estate loans 0.07% of its book; Union Bank&Trust Co (#13421) residential 0.13%; Union Bank&Trust Co (#13421) net charge-offs on real estate 0.34%; Union Bank&Trust Co (#13421) residential charge-offs 0.55%.
Union Bank&Trust Co (#13421) net interest margin 3.68% against an eight-quarter Union Bank&Trust Co (#13421) average of 3.55% (Union Bank&Trust Co (#13421) compression -0.13 points); Union Bank&Trust Co (#13421) real-estate loans 6.6% of equity; Union Bank&Trust Co (#13421) non-residential real estate 54.7% of equity; Union Bank&Trust Co (#13421) rate-exposure score 40/100, Union Bank&Trust Co (#13421) fixed-rate trap 40/100; Union Bank&Trust Co (#13421) risk type credit driven; Union Bank&Trust Co (#13421) rate regime rates elevated, Union Bank&Trust Co (#13421) snapshot October 19, 2026.
Union Bank&Trust Co (#13421) stress score moved from 56.6 on June 22, 2026 to 54.6 on October 19, 2026; Union Bank&Trust Co (#13421) ranged 54.6 to 56.6 over 116 snapshots.
Union Bank&Trust Co (#13421) alerts: 18 counties; top Union Bank&Trust Co (#13421) alert scores: Lincoln County, NE 41 (moderate); Seward County, NE 37 (moderate); York County, NE 36 (moderate); Ainsworth County, NE 20 (low); Auburn County, NE 20 (low).