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United Bank & Trust Co.
Marshalltown, IA · FDIC Certificate #57391 · Chartered 06/2
Total assets
$120.14M
Total deposits
$106.73M
Total equity
$11.94M
Net loans
$68.00M
Branches (offices)
2
Net income (YTD)
$752.00K
Rank: #3,526 of 4,213 U.S. banks by assets · #184 of 225 in Iowa. Assets changed -1.0% and deposits -0.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.24% |
| Return on equity | 12.66% |
| Net interest margin (YTD) | 3.57% |
| Equity to assets | 9.94% |
| Tier 1 leverage ratio | 10.46% |
| Uninsured deposits (share of deposits) | 27.3% |
| Noncurrent loans (share of loans) | 1.57% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 63.7% |
| Real estate loans (share of loans) | 85.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $58.40M | 85.9% | |
| Commercial & industrial | $4.59M | 6.7% | |
| Consumer / individual | $494.00K | 0.7% | |
| Construction & development | $3.50M | 5.1% | |
| Agricultural | $4.16M | 6.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $133.62M | $123.41M | $419.00K | $9.03M |
| Jun 2023 | $127.55M | $115.89M | $587.00K | $9.37M |
| Jun 2024 | $119.92M | $108.34M | $446.00K | $10.17M |
| Jun 2025 | $121.32M | $107.31M | $677.00K | $11.33M |
| Jun 2026 | $120.14M | $106.73M | $752.00K | $11.94M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $106.73M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $106.73M.
Similar-sized banks
The First National Bank Of Williamson ($120.28M) · Global Innovations Bank ($120.07M)
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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