Bank · FDIC insured
Union Bank & Trust
Top CarrotA $9.2B bank, the 171st largest of 4,207, headquartered in Lincoln, NE, with 37 branches in 3 states. Best rates: CDs 4.40% and savings 1.24% APY.
Union Bank & Trust Carrot Score
Carrot ScoreTop Carrot
Higher than 80% of U.S. banks and credit unions
#2 of 29 in Lincoln, NE metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Union Bank & Trust
Chartered in 1917 as Farmer’s State Bank in Lincoln, Nebraska, Union Bank & Trust Company has been owned by the Dunlap family for over 60 years.
Renamed Union Bank & Trust Company in 1959, the bank operates locations across Nebraska as well as in parts of Kansas and Colorado.
- Headquarters
- 3643 S 48th St, Lincoln, NE 68506
- FDIC certificate
- 13421 ↗
Branches
37 branches in 3 states
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Nebraska
34 branches
Lincoln area · 20
- Union Bank and Trust CompanyMain office3643 S 48th St, Lincoln, NE 68506Directions
- 1550 South Coddington Branch1550 S Coddington Ave, Lincoln, NE 68522Directions
- 5006 North 27th Street Branch5006 N 27th St, Lincoln, NE 68521Directions
- 6811 South 27th Street Branch6811 S 27th St, Lincoln, NE 68512Directions
- 70th & Pioneers Branch4243 Pioneer Woods Dr, Lincoln, NE 68506Directions
- 8401 Lexington Avenue Branch8401 Lexington Ave, Lincoln, NE 68505Directions
- Depot Facility1940 O St, Lincoln, NE 68510Directions
- Detached Teller'S Facility2201 Nebraska Pkwy, Lincoln, NE 68502Directions
- Drive-In Facility4800 Normal Blvd, Lincoln, NE 68506Directions
- Hy-Vee Grocery Branch6001 Village Dr, Lincoln, NE 68516Directions
- Lincoln Branch4732 Calvert St, Lincoln, NE 68506Directions
- Lincoln Branch6801 S 27th St, Lincoln, NE 68512Directions
- Lincoln Branch - 1248 O St1248 O St, Lincoln, NE 68508Directions
- Lincoln East Branch6801 O St, Lincoln, NE 68510Directions
- Northeast Branch1300 N 48th St, Lincoln, NE 68504Directions
- South 84th Street Branch8501 Andermatt Dr, Lincoln, NE 68526Directions
- Union Bank & Trust Company840 Fallbrook Blvd, Lincoln, NE 68521Directions
- Union Bank & Trust Company1400 R St, Lincoln, NE 68588Directions
- Union Bank And Trust Company - Lincoln Branch1801 Pine Lake Road, Lincoln, NE 68512Directions
- Seward Branch220 S 4th St, Seward, NE 68434Directions
Omaha area · 3
- Omaha Branch2720 S 177th St, Omaha, NE 68130Directions
- Omaha Branch - 14400 Davenport Street14400 Davenport St, Omaha, NE 68154Directions
- Wahoo Branch328 W 3rd St, Wahoo, NE 68066Directions
Ainsworth area · 1
- Ainsworth Branch238 E 4th St, Ainsworth, NE 69210Directions
Auburn area · 1
- Auburn Branch1301 J St, Auburn, NE 68305Directions
Columbus area · 1
- Columbus Ne Branch - 23rd St1601 23rd St, Columbus, NE 68601Directions
Crete area · 1
- Union Bank & Trust Company - Crete Branch1850 Grove Ave, Crete, NE 68333Directions
David City area · 1
- David City Branch507 D St, David City, NE 68632Directions
Fairbury area · 1
- Fairbury Branch1313 K St, Fairbury, NE 68352Directions
Grand Island area · 1
- Grand Island Branch2008 N Webb Rd, Grand Island, NE 68803Directions
Pawnee City area · 1
- Pawnee City Branch514 G Street, Pawnee City, NE 68420Directions
Taylor area · 1
- Taylor Branch410 4th St, Taylor, NE 68879Directions
Valentine area · 1
- Valentine Branch230 South Hall And U.S. 20, Valentine, NE 69201Directions
York area · 1
- York Branch502 N Grant Ave, York, NE 68467Directions
Kansas
2 branches
- Commercial State Bk. Of Bonner Springs Branch309 Oak St, Bonner Springs, KS 66012Directions
- Johnson County Branch11460 Tomahawk Creek Pkwy, Leawood, KS 66211Directions
Colorado
1 branch
- Union Bank And Trust Company - Fort Collins Co Branch123 N College Ave, Fort Collins, CO 80524Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.65% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.32% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.66% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $93 | $88 | — |
- CapitalLeverage ratio10.65%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.32%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.66%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$93Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Union Bank & Trust are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.