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BDI
UB

Union Bank and Trust Company

Lincoln, NebraskaFDIC Cert #13421

STATEEstablished 191737 branches

Holding company: FARMERS&MERCHANTS INV INCRegulator: FDIC

FDICCERT + OFFDOM

Delinquency, loss & reserves

Credit

Early-stage delinquency, nonaccruals, realized loss, and allowance coverage from reported filings.

As of Q1 2026

Problem credits

Reported delinquent and nonperforming exposures, shown as balances and ratios.

30–89 %
0.34%
−58.4%y/y
Peer standing46th percentile
Peer standing in asset:3b_10b
FDICP3ASSET + LNLSGR
90+ %
0.04%
−42.8%y/y
Peer standing22nd percentile
Peer standing in asset:3b_10b
FDICP9ASSET + LNLSGR
Nonaccrual %
0.27%
−8.6%y/y
Peer standing75th percentile
Peer standing in asset:3b_10b
FDICNAASSET + LNLSGR
Noncurrent %
0.31%
−15.5%y/y
Peer standing74th percentile
Peer standing in asset:3b_10b
FDICP9ASSET + NAASSET + LNLSGR
NPA/assets
0.24%
−14.5%y/y
Peer standing75th percentile
Peer standing in asset:3b_10b
FDICP9ASSET + NAASSET + ORE + ASSET
NPA
$21.9M
−9.8%y/y
Peer standing53rd percentile
Peer standing in asset:3b_10b
FDICP9ASSET + NAASSET + ORE

Loss & allowance

Recognized charge-offs and the allowance held against the loan portfolio.

NCO rate
0.16%
+137.4%y/y
Peer standing29th percentile
Peer standing in asset:3b_10b
FDICNTLNLS + LNLSGR
NCO
$2.69M
+151.5%y/y
Peer standing20th percentile
Peer standing in asset:3b_10b
FDICNTLNLS + DRLNLS + CRLNLS
ACL/loans
1.57%
−1.3%y/y
Percentile by value88th percentileby value
Peer standing in asset:3b_10b
FDICLNATRES + LNLSGR
30–89
$23.6M
−55.6%y/y
Peer standing23rd percentile
Peer standing in asset:3b_10b
FDICP3ASSET
90+
$2.99M
−38.9%y/y
Peer standing15th percentile
Peer standing in asset:3b_10b
FDICP9ASSET
Nonaccrual
$18.9M
−2.4%y/y
Peer standing51st percentile
Peer standing in asset:3b_10b
FDICNAASSET