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Q2 2026 · read from the 30 June 2026 Call Report · United States · Plains · Nebraska, the state note

Union Bank & Trust Co.

Lincoln, Nebraska · $9.24B in assets · beside the 11 other the Plains states banks between $3B and $10B (the state alone holds too few in the band to rank)

The filing

4.9x
Coverage of noncurrent
2nd of 12
93.1%
Loans / deposits
10th of 12
1.64%
ROA
3rd of 12

Union Bank & Trust Co. is the third largest of the 12 the Plains states banks nearest its size between $3B and $10B, with $9.24B in assets at 30 June 2026. Loans are 93.1% of deposits, 10th of 12 against a median of 86.4%, and equity is 10.8% of assets, 4th of 12. Loans grew +5.0% in the year, 8th of 12, and deposits grew 2.2%; the cohort's median loan growth is +7.3%.

Noncurrent loans are 0.32% of the book, 4th of 12 against a median of 0.61%; 0.24% is 30 to 89 days past due, and the allowance covers them 4.9 times. Commercial real estate is 36.4% of loans, 9th of 12 against a median of 34.5%, and 235% of capital, below the 300% screen, with construction at 65% against the 100% screen.

Return on assets is 1.64%, 3rd of 12 against a median of 1.35%, on an efficiency ratio of 54.7%, 5th of 12. Five years ago it was 1.30%. The question is which of these lines moves first over the next four quarters, and against which peer.

Loans as a share of depositsPlains states banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 86.4% PB Principal Bank 32.3% CF Choice Financial Group 62.7% FB First Bank 73.0% IB Intrust Bank National Association 73.2% PB Pinnacle Bank 84.0% EB Equity Bank 85.4% PN Pathward National Association 87.4% BT Bankers Trust Co. 89.7% FI First International Bank & Trust 91.3% UB Union Bank & Trust Co. 93.1% BB Bcorp Bank National Association 96.0% CF Capitol Federal Savings Bank 118.5%
Loans, year over yearPlains states banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +7.3% EB Equity Bank +50.2% PB Principal Bank +13.5% FI First International Bank & Trust +9.4% PN Pathward National Association +8.6% FB First Bank +7.8% PB Pinnacle Bank +7.7% BB Bcorp Bank National Association +7.0% UB Union Bank & Trust Co. +5.0% IB Intrust Bank National Association +3.6% CF Capitol Federal Savings Bank +1.8% BT Bankers Trust Co. +1.5% CF Choice Financial Group +0.4%

SBA 7(a), FY2008 to FY2026

Union Bank & Trust Co. is the 2nd largest 7(a) lender into Nebraska of 257, with $161M across 573 loans, 7.1% of everything approved in the state (Wells Fargo Bank National Association leads with $186M). 20 of its 59 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Nebraska, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Lancaster, NE$79M1st of 8321.3%+18.3 pts
Douglas, NE$41M4th of 1454.8%+8.6 pts
Sarpy, NE$15M4th of 706.3%-4.4 pts
Jackson, MO$7M37th of 1830.6%-0.3 pts
Saunders, NE$5M2nd of 1822.0%+20.9 pts
Elbert, CO$3M7th of 435.0%quiet FY2021
Madison, NE$3M3rd of 198.5%thin
Denver, CO$2M92nd of 1930.1%-0.3 pts
Hall, NE$2M5th of 296.4%thin
Seward, NE$2M3rd of 166.9%+31.9 pts
Cherry, NE$2M1st of 380.2%thin
Maricopa, AZ$2M182nd of 3030.0%+0.1 pts
Platte, MO$2M27th of 731.3%thin
46 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services91$30M15.6%0.04%311th of 2,596
Health care & social assistance80$28M14.8%0.06%203rd of 2,172
Retail trade69$19M10.2%0.03%317th of 2,589
Professional & technical services68$19M10.0%0.06%200th of 1,955
Construction75$19M9.9%0.06%245th of 2,063
7(a) lenders into Nebraska, share of approvals since FY2008257 lenders on record; the ten largest and Union Bank
WF Wells Fargo Bank National Associa… 8.2% $186M · 483 loans UB Union Bank and Trust Company 7.1% $161M · 573 loans FN First National Bank of Omaha 6.4% $144M · 618 loans FS First State Bank Nebraska 6.2% $141M · 432 loans LO Live Oak Banking Company 4.4% $100M · 77 loans FI First Interstate Bank 3.8% $86M · 180 loans AB Associated Bank National Associat… 3.3% $74M · 159 loans CB Core Bank 2.4% $54M · 116 loans UB U.S. Bank, National Association 2.0% $45M · 530 loans NB Northwest Bank 1.6% $36M · 143 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 2 CBLR filers; owner-occupied excluded; bold marks a screen met
Union BankRankCohort median
Total CRE against capital, the 300% screen235%7th of 12220%
Construction against capital, the 100% screen65%9th of 1236%
Construction and land development, share of loans10.1%9th of 127.1%
Non-owner-occupied nonfarm nonresidential, share of loans21.3%10th of 1219.1%
Total CRE, the guidance definition, share of loans36.4%9th of 1234.5%
CRE growth over 36 months, the third prong+15.1%5th of 11+28.6%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Principal Bank$9.84B1.6%38.0%0.44%0.00%0.2%32.3%5.0%
Capitol Federal Savings Bank$9.68B0.9%52.8%0.62%0.00%0.3%118.5%10.1%
Union Bank & Trust Co.$9.24B1.6%54.7%0.32%0.10%1.6%93.1%10.8%
Bcorp Bank National Association$9.21B2.9%41.3%1.33%1.57%0.9%96.0%9.6%
Pinnacle Bank$9.18B1.4%46.3%0.07%0.00%1.1%84.0%9.7%
Bankers Trust Co.$7.83B1.0%58.5%0.31%0.07%1.4%89.7%9.5%
Equity Bank$7.71B1.4%58.5%1.18%0.11%1.2%85.4%11.6%
Pathward National Association$7.31B2.7%58.3%5.28%0.84%2.1%87.4%12.1%
Intrust Bank National Association$6.76B1.3%59.3%0.60%0.04%1.2%73.2%7.4%
First Bank$6.65B0.7%73.7%0.27%0.17%1.0%73.0%8.4%
Choice Financial Group$6.38B1.3%55.3%0.68%0.30%1.2%62.7%11.3%
First International Bank & Trust$6.18B1.2%71.0%1.54%0.20%1.0%91.3%8.4%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Union BankCohort median
20212026Change20212026Change
Loans$4.34B$7.00B+61%$3.69B$5.31B+44%
Deposits$5.15B$7.52B+46%$5.46B$6.52B+19%
NPA / loans0.62%0.32%-0.30 pts0.51%0.61%+0.10 pts
Efficiency58.0%54.7%-3.3 pts57.9%56.8%-1.1 pts
ROA1.30%1.64%+0.34 pts1.49%1.35%-0.14 pts

This read was prepared for Union Bank & Trust Co.'s board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Union Bank & Trust Co. is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort Plains states banks $3B to $10B
Institution www.ubt.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by New England and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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