Total Assets
$239M
Total balance-sheet footings
FDIC Cert #22242 · Minneapolis, Minnesota · Est. 1976
Union Bank and Trust Company - FDIC Bank Health Profile
A community-scale look at Union Bank and Trust Company's own numbers, pulled straight from its quarterly FDIC Call Report.
- $239M
- Total assets
- B
- Health grade · Good
- 1.11%
- Return on assets
- 17.2%
- Tier 1 capital
Data updated July 2026
The verdict
Union Bank and Trust Company earns a PlainBankData health grade of B (74/100), with well-capitalized at 17.20% Tier 1, profitable at 1.11% ROA, 70% efficiency ratio.
- #2,801
- largest of 4,313 FDIC banks by assets
- 35th
- percentile by asset size, nationally
- 17.20%
- Tier 1 ratio - above the 10% well-capitalized line
- 51st
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Union Bank and Trust Company's 74/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Union Bank and Trust Company's composite health score
Tier 1 Capital Ratio (17.20%) 40/40
Return on Assets (ROA) (1.11%) 20/25
Texas Ratio (17.80%) 10/20
Efficiency Ratio (70.21%) 4/15
74 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$216M
Customer-funded liabilities
Net Loans
$103M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Union Bank and Trust Company ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Union Bank and Trust Company's score of 74/100 falls in the highlighted band.
Union Bank and Trust Company's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Union Bank and Trust Company's $239M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
17.20% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
17.20%
Texas Ratio
17.80%
Equity Capital
$21M
Profitability metrics
Return on Assets (ROA)
51st percentile nationally
1.11%
Return on Equity (ROE)
12.18%
Efficiency Ratio
70.21%
What the numbers say about Union Bank and Trust Company
Union Bank and Trust Company is an FDIC-insured institution (Certificate #22242) headquartered in Minneapolis, Minnesota, established in 1976. It holds $239M in total assets - 2,801st of 4,313 FDIC-insured banks, $216M in customer deposits, and $103M in net loans. Its capital position: a Tier 1 ratio of 17.20%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 17.80% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of B (74 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Union Bank and Trust Company sits 101st of 227 banks headquartered in Minnesota by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$9M
Interest Income
$5M
Non-Interest Income
$9M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Union Bank and Trust Company reports a Texas Ratio of 17.80% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
17.80% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Minnesota by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Union Bank and Trust Company (FDIC Cert #22242) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Minnesota
All Minnesota banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Ameriprise Bank, FSBMinneapolis | $25.3B | A | 3.08% |
| Bridgewater BankSaint Louis Park | $5.4B | A | 0.99% |
| Frandsen Bank & TrustLonsdale | $3.7B | A | 1.48% |
| Stearns Bank National AssociationSaint Cloud | $3.3B | A | 1.85% |
| Minnwest BankRedwood Falls | $3.0B | B | 0.92% |
| Merchants Bank, National AssociationWinona | $2.9B | A | 1.23% |
| Tradition Capital BankWayzata | $2.6B | B | 0.71% |
| Think Mutual BankRochester | $2.2B | B | 0.61% |
Frequently asked questions
What is Union Bank and Trust Company's health grade?▼
Union Bank and Trust Company receives a health grade of B (74/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Union Bank and Trust Company?▼
Union Bank and Trust Company holds $239M in total assets and $216M in deposits, ranking 2,801st of 4,313 FDIC-insured banks by asset size. It is headquartered in Minneapolis, Minnesota.
Is my money safe at Union Bank and Trust Company?▼
Yes, deposits at Union Bank and Trust Company (Certificate #22242) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Union Bank and Trust Company's Tier 1 Capital Ratio?▼
Union Bank and Trust Company has a Tier 1 Capital Ratio of 17.20%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Union Bank and Trust Company?▼
Union Bank and Trust Company has a Texas Ratio of 17.80%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Union Bank and Trust Company?▼
Union Bank and Trust Company has an Efficiency Ratio of 70.21%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Union Bank and Trust Company's profile as a depositor or analyst.
- Union Bank and Trust Company's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Union Bank and Trust Company against other Minnesota banks before moving funds. Minnesota banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.