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United Bank And Trust Company
Hampton, IA · FDIC Certificate #14247 · Chartered 01/0
Total assets
$228.39M
Total deposits
$199.69M
Total equity
$28.22M
Net loans
$121.67M
Branches (offices)
4
Net income (YTD)
$2.10M
Rank: #2,822 of 4,213 U.S. banks by assets · #127 of 225 in Iowa. Assets changed 5.8% and deposits 5.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.84% |
| Return on equity | 15.27% |
| Net interest margin (YTD) | 3.40% |
| Equity to assets | 12.35% |
| Tier 1 leverage ratio | 14.83% |
| Uninsured deposits (share of deposits) | 20.6% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 60.9% |
| Real estate loans (share of loans) | 58.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $70.87M | 58.2% | |
| Commercial & industrial | $9.73M | 8.0% | |
| Consumer / individual | $5.42M | 4.5% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $36.69M | 30.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $213.85M | $193.92M | $1.43M | $18.85M |
| Jun 2023 | $206.07M | $185.29M | $1.45M | $19.52M |
| Jun 2024 | $201.84M | $178.16M | $1.37M | $21.23M |
| Jun 2025 | $215.79M | $189.28M | $1.62M | $23.97M |
| Jun 2026 | $228.39M | $199.69M | $2.10M | $28.22M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $199.69M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $199.69M.
Similar-sized banks
Triad Bank, National Association ($228.56M) · Bank Of Wiggins ($228.08M)
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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