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Union Bank & Trust Company
Monticello, AR · FDIC Certificate #1753 · Chartered 04/0
Total assets
$355.77M
Total deposits
$320.83M
Total equity
$30.86M
Net loans
$275.33M
Branches (offices)
5
Net income (YTD)
$2.69M
Rank: #2,225 of 4,213 U.S. banks by assets · #44 of 78 in Arkansas. Assets changed 9.7% and deposits 9.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.57% |
| Return on equity | 17.68% |
| Net interest margin (YTD) | 4.19% |
| Equity to assets | 8.68% |
| Tier 1 leverage ratio | 10.19% |
| Uninsured deposits (share of deposits) | 20.8% |
| Noncurrent loans (share of loans) | 1.11% |
| Net charge-offs (share of loans) | 0.10% |
| Loans to deposits | 85.8% |
| Real estate loans (share of loans) | 72.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $199.85M | 72.6% | |
| Commercial & industrial | $56.76M | 20.6% | |
| Consumer / individual | $16.61M | 6.0% | |
| Construction & development | $33.00M | 12.0% | |
| Agricultural | $7.05M | 2.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $274.53M | $245.53M | $2.37M | $20.12M |
| Jun 2023 | $299.43M | $254.56M | $2.14M | $20.78M |
| Jun 2024 | $312.93M | $272.91M | $1.74M | $24.36M |
| Jun 2025 | $324.26M | $293.64M | $2.42M | $26.67M |
| Jun 2026 | $355.77M | $320.83M | $2.69M | $30.86M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Arkansas | $320.83M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $320.83M.
Similar-sized banks
First National Bank Of Giddings ($356.15M) · Interamerican Bank, A FSB ($355.68M)
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.
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