Union Bank and Trust Company
Major Rating Factors:
Excellent current capitalization (9.4 on a scale of 0 to 10) based on a risk-based capital ratio of 18.4 and a capital leverage ratio of 10.6. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.8 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.0 has resulted in Fair (4.5) profitability. Fair liquidity 4.0, driven by a liquidity ratio of 32.8 percent and a “hot money” ratio of 0.3 percent.
Asset Mix:
Comm re (38%), securities (28%), cash (18%), comm loans (9%), home mtgs (0%), other (7%)
States with Branches:
MN
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Investment Rating
--
Address
312 Central Avenue SE
Minneapolis, MN 55414
Minneapolis, MN 55414
Phone Number
(612) 379-3222
Year Founded
1976
FDIC Number
Website
Largest Affiliates
No affiliate information available.