UNITED BANK OF UNION
UNITED BANK OF UNION is an FDIC-insured commercial bank headquartered in UNION, MO, established in 1934. As of , the bank reported total assets of $562M and total deposits of $463M. Profitability stands at 1.44% ROA and 17.80% ROE, with a net interest margin of 3.96%. CET1 capital ratio: 8.29%. NPL ratio: 3.78% · Texas Ratio: 32.61%. Operates 3 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Non-performing loans (90+ days past due or non-accrual) exceed 3% of total loans — well above the typical community-bank range of 0.5–1.5%.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
United Bank of Union rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 8.29% | 1.44% | 3.78% | 32.61% | 3.96% |
| 2025-09-30 | 7.94% | 1.50% | 2.73% | 24.30% | 3.97% |
| 2025-06-30 | 7.60% | 1.34% | 2.77% | 26.12% | 3.96% |
| 2025-03-31 | 7.40% | 1.18% | 2.76% | 26.38% | 3.79% |
| 2024-12-31 | 10.91% | -0.25% | 2.60% | 25.68% | 3.59% |
| 2024-09-30 | 10.58% | 1.16% | 3.23% | 29.80% | 3.60% |
| 2024-06-30 | 6.95% | 0.96% | 3.32% | 32.82% | 3.51% |
| 2024-03-31 | 6.95% | 0.94% | 3.19% | 31.57% | 3.48% |
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Frequently asked about UNITED BANK OF UNION
What are United Bank of Union's total assets?
As of the Q4 2025 filing, United Bank of Union reported total assets of $561.9 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is United Bank of Union headquartered?
United Bank of Union is headquartered in UNION, MO, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was United Bank of Union founded?
United Bank of Union was established in 1934, per the FDIC institution directory.
Is United Bank of Union FDIC-insured?
Yes. United Bank of Union is an FDIC-insured commercial bank (FDIC Certificate #14334). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates United Bank of Union?
United Bank of Union's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is United Bank of Union's CET1 capital ratio?
United Bank of Union reported a Common Equity Tier 1 (CET1) capital ratio of 8.29% in its most recent quarterly filing — above the regulatory minimum but inside the capital conservation buffer.
How many branches does United Bank of Union operate?
United Bank of Union operates 3 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is United Bank of Union's Texas Ratio?
United Bank of Union's Texas Ratio is 32.61% — within the typical range for US community banks (25–50%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.