Come see us for a full range of products and services
Personal Banking
From checking and savings accounts to CDs and money markets to home and auto loans and beyond, we have the financial services, online and mobile banking tools, and friendly support you need to build the life you want — and you can find it all in our new full-service branch.
Business Banking
Whether you’re a small startup or a large commercial operation, our business banking solutions have you covered — from business checking and loans, commercial real estate, equipment financing, UBT Business online banking, and every unexpected need in between.
Personal Trust Services*
If you’ve been working hard to build wealth for your family, retirement, the eventual transfer to loved ones, and charitable gifts, we can help you protect it and pass it on. Meet with one of our Trust Services representatives on location to start the conversation.
Agricultural Lending
Ready, set, grow! Our friendly, knowledgeable ag lending professionals will help you find the right fit for your needs with flexible loans designed to help your farm — and your family — thrive.
Get to Know UBT
Family-owned and focused on service and community
Our family-owned bank provides the products and services you need, but with personalized customer care that the big-box banks can’t begin to compete with. At UBT, we care about our customers, our community, and each other, which means you can count on our people to show up, roll up their sleeves, and pitch in to better the world around them. That’s feel good banking.
Why Union Bank & Trust?
We get to know you
At UBT, people don’t have your money — your money has people. That means personalized service from real people who get to know you, your goals, and your individual needs.
We’re local
We’re proud of our Midwestern roots and the people we serve, and we’re thrilled to be expanding our services in Columbus to better serve the people and businesses who make this community what it is.
We give back
We care about the communities we serve, so we make it a point to support charitable causes and civic organizations that make for an even better place to live and work.
We’re always innovating
Whether it’s improving our online experience or offering new ways to bank on the go, we’re always working to give you the best banking experience possible — so you can focus on what matters.
We’re family owned
UBT has been owned by the same family for over 60 years, which means we understand the value of putting down roots, caring for those around us, and supporting other families as they grow.
We can do it all
At UBT, we cast a wide net. We offer banking and lending services to individuals and businesses, investing and wealth management solutions, trust services,* and more — all with a personal touch.
100+ years of banking excellence — right at your fingertips
Union Bank & Trust combines over a century of trusted financial expertise with seamless digital convenience. We’re committed to helping you strengthen your financial position with confidence, offering a full range of personal and business banking and lending products as well as secure, easy-to-use tools that are accessible wherever you are.
With our highly rated UBTgo app** (4.9 stars) and real-person customer support, managing your money has never been easier.
Branch Manager
Jon Rowe
Jon has been with UBT since 2021, most recently serving as Assistant Branch Manager at our Grand Island location. Fluent in Spanish with a heart for helping others, Jon is ready to lead the branch and serve customers with care and expertise. He’s committed to making every interaction feel like a neighborly conversation — because at UBT, banking is about people first.
Passionate about community, Jon helped organize Grand Island’s 4th Street Festival and is known for his approachable leadership style. He’s excited to bring that same energy to Columbus, where he looks forward to getting involved and making meaningful connections.
Vice President — Ag & Commercial
Nathan Jantzi
Nathan has nearly two decades of agricultural and commercial lending experience and a deep connection to Nebraska’s farming communities. Growing up on a small farm near Wood River, Nathan knows firsthand the challenges and rewards of ag life. A graduate of both the Nebraska Bankers Association Agricultural Lending School and its advanced program, Nathan combines technical knowledge with a hands-on, personalized approach. Nathan’s passionate about helping producers and small businesses succeed.
Nathan has called Columbus home since 2010 and has been an active member of the Columbus Chamber Commodores since 2011. Nathan and his wife are proud to be part of the Columbus community, where they stay busy giving back and cheering on their kids at countless local events.
Loan Specialist
Miki Naylor
Miki has served as a Loan Specialist since 2023, focusing on relationship development and customer service for agriculture loans. A longtime Columbus resident and Central Community College graduate, she brings both professional expertise and a deep commitment to her community. Passionate about service, Miki has been a TeamMates mentor for 17 years and has held key roles on numerous local boards and committees, including Habitat for Humanity, the Columbus Morning Rotary Club, the Columbus Area Chamber Agribusiness Committee, and many more.
Guided by faith, family, and friendship, Miki finds joy in giving back and spending time with her four grown children and six grandbabies. Whether helping customers or serving her community, Miki leads with heart and purpose.
Assistant Vice President – Ag Lending
Wade Shonka
Wade joined UBT in 2018 and serves as Assistant Vice President in Ag Lending. With a background in agricultural finance and firsthand experience as a farmer, he supports farming operations and commercial clients with practical insight and care.
Originally from Schuyler, Wade earned his degree in Ag Economics with a minor in Agronomy from the University of Nebraska – Lincoln and Northeast Community College. As an active participant in the Corn Growers Association, Platte Valley Cattlemen’s, 4-H, and FFA, Wade is passionate about agriculture and community. He brings a neighborly approach to banking, rooted in real-life experience and a genuine commitment to his customers.
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✳✳Message and data rates may apply.
Loan products subject to credit approval.
¹To qualify for the checking promotion, you cannot be a primary accountholder on an existing UBT personal checking account. Offer not valid if existing checking account closed in the last 120 days. Receive $500 when you open a Simply Free, Simply Free Plus, or Simply Free Platinum checking account and complete the following within 90 calendar days of account opening: (1) have $2,500 in electronic direct deposits posted; and (2) enroll in paperless statements via online or mobile banking. Bonus is credited to your active account within 100 days of account opening if you meet requirements. $1,000 opening deposit required on Simply Free Plus checking accounts. Various Annual Percentage Yields (APY) offered for interest-earning checking accounts based on the account and balance maintained. For example, Simply Free Platinum requires $100 minimum daily balance to earn 0.12% APY as of 9/23/2025. Fees may reduce earnings; rates subject to change. Promotion offers limited to one new checking account per person and cannot be combined with other offers. Simply Free Platinum accounts designed for people ages 50 and over. Account must be opened in-person at the UBT branch located at 1601 23rd St. in Columbus, Nebraska. Available 10/1/2025 to 12/31/2025.
2To qualify for the promotion, you must open your account at the Union Bank and Trust branch located at 1601 23rd St. in Columbus, Nebraska. Offer not valid for primary accountholder on either an existing Value Edge Money Market Account (MMA) or a Value Edge MMA closed within the last 120 days. Open a new Value Edge MMA and receive 3.80% Annual Percentage Yield (APY) on balances of $10,000 or more for 12 months from account opening; balances under $10,000 will earn an APY of 0.79%. After the first 12 months, the standard Value Edge MMA variable interest rate and APY tiers will apply, depending on the daily balance of the account. See current deposit account rates, rates subject to change. Fees may reduce earnings. $10,000 opening deposit required in new money. Promotion available 11/3/2025 to 12/31/2025. Cannot be combined with other offers.
³To qualify for the promotion, you cannot be an owner on an existing Union Bank savings account. Promotion available to ages 13 and under. A parent/guardian or grandparent must be a co-owner of the account. Open a new Simply Savings Student account, make an opening deposit, and Union Bank will match your deposit up to a maximum of $25. The deposit match will be credited to your account within 10 days of account opening. Account must be opened in-person at the UBT branch located at 1601 23rd St. Columbus, Nebraska, between 9/2/2025 and 12/31/2025. Limit one per child and cannot be combined with other offers.
