Total Assets
$377M
Total balance-sheet footings
FDIC Cert #3661 · Elgin, Illinois · Est. 1904
Union National Bank and Trust Company of Elgin - FDIC Bank Health Profile
A community-scale look at Union National Bank and Trust Company of Elgin's own numbers, pulled straight from its quarterly FDIC Call Report.
- $377M
- Total assets
- A
- Health grade · Excellent
- 1.69%
- Return on assets
- 15.4%
- Tier 1 capital
Data updated July 2026
The verdict
Union National Bank and Trust Company of Elgin earns a PlainBankData health grade of A (100/100), with well-capitalized at 15.39% Tier 1, profitable at 1.69% ROA, efficient (41% cost ratio).
- #2,167
- largest of 4,313 FDIC banks by assets
- 50th
- percentile by asset size, nationally
- 15.39%
- Tier 1 ratio - above the 10% well-capitalized line
- 82nd
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Union National Bank and Trust Company of Elgin's 100/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Union National Bank and Trust Company of Elgin's composite health score
Tier 1 Capital Ratio (15.39%) 40/40
Return on Assets (ROA) (1.69%) 25/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (41.20%) 15/15
100 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$336M
Customer-funded liabilities
Net Loans
$322M
Outstanding loan book
Net Income
$6M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Union National Bank and Trust Company of Elgin ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Union National Bank and Trust Company of Elgin's score of 100/100 falls in the highlighted band.
Union National Bank and Trust Company of Elgin'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 National Bank and Trust Company of Elgin's $377M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
15.39% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
15.39%
Texas Ratio
0.00%
Equity Capital
$38M
Profitability metrics
Return on Assets (ROA)
82nd percentile nationally
1.69%
Return on Equity (ROE)
16.04%
Efficiency Ratio
41.20%
What the numbers say about Union National Bank and Trust Company of Elgin
Union National Bank and Trust Company of Elgin is an FDIC-insured institution (Certificate #3661) headquartered in Elgin, Illinois, established in 1904. It holds $377M in total assets - 2,167th of 4,313 FDIC-insured banks, $336M in customer deposits, and $322M in net loans. Its capital position: a Tier 1 ratio of 15.39%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 0.00% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (100 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 National Bank and Trust Company of Elgin sits 128th of 330 banks headquartered in Illinois by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$20M
Interest Income
-
Non-Interest Income
$6M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Union National Bank and Trust Company of Elgin reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Illinois by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Union National Bank and Trust Company of Elgin (FDIC Cert #3661) - 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 Illinois
All Illinois banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| BMO Bank National AssociationChicago | $252.1B | A | 0.95% |
| The Northern Trust CompanyChicago | $176.4B | B | 1.02% |
| CIBC Bank USAChicago | $64.0B | A | 1.47% |
| Busey BankChampaign | $18.1B | A | 0.92% |
| Byline BankChicago | $9.6B | A | 1.47% |
| Wintrust Bank, National AssociationChicago | $9.6B | A | 1.88% |
| Lake Forest Bank & Trust Company, National AssociationLake Forest | $9.4B | A | 2.20% |
| First American BankElk Grove Village | $8.1B | A | 1.72% |
Frequently asked questions
What is Union National Bank and Trust Company of Elgin's health grade?▼
Union National Bank and Trust Company of Elgin receives a health grade of A (100/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Union National Bank and Trust Company of Elgin?▼
Union National Bank and Trust Company of Elgin holds $377M in total assets and $336M in deposits, ranking 2,167th of 4,313 FDIC-insured banks by asset size. It is headquartered in Elgin, Illinois.
Is my money safe at Union National Bank and Trust Company of Elgin?▼
Yes, deposits at Union National Bank and Trust Company of Elgin (Certificate #3661) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Union National Bank and Trust Company of Elgin's Tier 1 Capital Ratio?▼
Union National Bank and Trust Company of Elgin has a Tier 1 Capital Ratio of 15.39%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Union National Bank and Trust Company of Elgin?▼
Union National Bank and Trust Company of Elgin has a Texas Ratio of 0.00%. 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 National Bank and Trust Company of Elgin?▼
Union National Bank and Trust Company of Elgin has an Efficiency Ratio of 41.20%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Union National Bank and Trust Company of Elgin's profile as a depositor or analyst.
- Union National Bank and Trust Company of Elgin's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Union National Bank and Trust Company of Elgin against other Illinois banks before moving funds. Illinois 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.