UNION BANK & TRUST COMPANY

MONTICELLO, AR | Small | Est. April 1, 1887, midnight | FDIC #1753 | RSSD #22048 | FED
Latest Report: 2025-12-31

UNION BANK & TRUST COMPANY is asn small FDIC-insured commercial bank headquartered in MONTICELLO, AR, established in April 1, 1887, midnight. As of 2025-12-31, the bank reported total assets of $343M and total deposits of $309M. Profitability stands at 1.35% ROA and 15.61% ROE, with a net interest margin of 4.34%. The bank's CET1 capital ratio is 8.73%. Asset quality metrics show a non-performing loan ratio of 1.15% and a Texas Ratio of 8.98%. FDIC Certificate #1753.

Assets

$343M

Deposits

$309M

Loans

$269M

Equity

$30M

Profitability

Return on Assets (ROA) 1.35%
Return on Equity (ROE) 15.61%
Net Interest Margin (NIM) 4.34%
Yield on Assets 6.50%
Cost of Funds 2.20%

Asset Quality

NPL Ratio 1.15%
Net Charge-Off Ratio 0.24%
Texas Ratio 8.98%
NPA Ratio 0.90%
ACL / Loans 1.65%

Capital & Liquidity

CET1 Ratio 8.73%
Tier 1 Capital 8.73%
Total Capital Ratio 9.17%
Leverage Ratio 10.31%
Loan-to-Deposit 86.94%

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