Advertisement
Union National Bank And Trust Company Of Elgin
Elgin, IL · FDIC Certificate #3661 · Chartered 05/2
Total assets
$421.76M
Total deposits
$376.93M
Total equity
$40.94M
Net loans
$345.06M
Branches (offices)
1
Net income (YTD)
$3.06M
Rank: #1,992 of 4,213 U.S. banks by assets · #117 of 322 in Illinois. Assets changed 14.4% and deposits 16.1% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.52% |
| Return on equity | 15.51% |
| Net interest margin (YTD) | 3.69% |
| Equity to assets | 9.71% |
| Tier 1 leverage ratio | 9.85% |
| Uninsured deposits (share of deposits) | 36.6% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 91.5% |
| Real estate loans (share of loans) | 87.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $300.92M | 87.2% | |
| Commercial & industrial | $47.64M | 13.8% | |
| Consumer / individual | $90.00K | 0.0% | |
| Construction & development | $2.15M | 0.6% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $362.99M | $321.42M | $2.77M | $40.47M |
| Jun 2023 | $385.60M | $343.74M | $3.13M | $40.97M |
| Jun 2024 | $354.32M | $312.96M | $2.65M | $40.30M |
| Jun 2025 | $368.60M | $324.64M | $3.42M | $41.12M |
| Jun 2026 | $421.76M | $376.93M | $3.06M | $40.94M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $376.93M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $376.93M.
Similar-sized banks
The Bank Of Brodhead ($421.90M) · Haddon Savings Bank ($421.35M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
Advertisement