UNITED BANK & TRUST CO.

MARSHALLTOWN, IA | Small | Est. June 21, 2002, midnight | FDIC #57391 | RSSD #3103591 | FDIC
Latest Report: 2025-12-31

UNITED BANK & TRUST CO. is asn small FDIC-insured commercial bank headquartered in MARSHALLTOWN, IA, established in June 21, 2002, midnight. As of 2025-12-31, the bank reported total assets of $123M and total deposits of $109M. Profitability stands at 1.35% ROA and 13.90% ROE, with a net interest margin of 3.55%. The bank's CET1 capital ratio is 16.06%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.48% and a Texas Ratio of 7.99%. FDIC Certificate #57391.

Assets

$123M

Deposits

$109M

Loans

$69M

Equity

$12M

Profitability

Return on Assets (ROA) 1.35%
Return on Equity (ROE) 13.90%
Net Interest Margin (NIM) 3.55%
Yield on Assets 4.83%
Cost of Funds 1.33%

Asset Quality

NPL Ratio 1.48%
Net Charge-Off Ratio --
Texas Ratio 7.99%
NPA Ratio 0.83%
ACL / Loans 1.32%

Capital & Liquidity

CET1 Ratio 16.06%
Tier 1 Capital 16.06%
Total Capital Ratio 17.30%
Leverage Ratio 10.21%
Loan-to-Deposit 63.50%

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