UNITED BANK AND TRUST COMPANY

HAMPTON, IA | Small | Est. Jan. 1, 1915, midnight | FDIC #14247 | RSSD #116741 | FDIC
Latest Report: 2025-12-31

UNITED BANK AND TRUST COMPANY is asn small FDIC-insured commercial bank headquartered in HAMPTON, IA, established in Jan. 1, 1915, midnight. As of 2025-12-31, the bank reported total assets of $227M and total deposits of $200M. Profitability stands at 1.87% ROA and 15.78% ROE, with a net interest margin of 3.46%. The bank's CET1 capital ratio is 11.92%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #14247.

Assets

$227M

Deposits

$200M

Loans

$120M

Equity

$27M

Profitability

Return on Assets (ROA) 1.87%
Return on Equity (ROE) 15.78%
Net Interest Margin (NIM) 3.46%
Yield on Assets 5.27%
Cost of Funds 1.89%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.01%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.43%

Capital & Liquidity

CET1 Ratio 11.92%
Tier 1 Capital 11.92%
Total Capital Ratio 12.52%
Leverage Ratio 14.38%
Loan-to-Deposit 59.94%

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