🏦Bank Scorer

UNION BANK AND TRUST COMPANY

MINNEAPOLIS, MN · Supervised by FDIC

Est. 1976FDIC #22,242RSSD: FDIC-22242
Satisfactory Same

Current rating · Exam: September 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.92%

Is this bank safe?

UNION BANK AND TRUST COMPANY holds a Satisfactory CRA rating (2023), and meets basic financial requirements (ROA +0.92%).

Institution Profile

FDIC BankFind

Address

312 Central Ave Se, MINNEAPOLIS, MN

County

Hennepin County

Established

March 15, 1976

Total Assets

$231M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

September 1, 2023

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Sep 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$231M

Total Deposits

$209M

Net Loans

$106M

Net Income

$541K

ROA

0.92%

Above avg for Small banks. Peer avg: 0.44%

ROE

10.45%

Risk-Based Capital

17.96%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA0.92%Peer avg: 0.44%▲ Above avg
Risk-Based Capital17.96%Peer avg: 23.03%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

1

Branch Deposits

$180M

1-Year Change

0

Rating History

CRA / FFIEC
Exam DateRatingExam Type
Sep 2023SatisfactorySmall Bank
Aug 2017SatisfactorySmall Bank
Nov 2011SatisfactorySmall Bank

8 previous ratings locked — back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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