Union Bank (Mena, AR): Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Union Bank is one of the more profitable banks of its size. Based in Mena, Arkansas, it had $710 million in assets at June 30, 2026, up 9.0% from a year earlier. It earns about $2.48 a year on every $100 of assets, about double the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also keeps 4.75 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.95 cents). Much of that comes from cost control: it spends about 50 cents to bring in each dollar of revenue.
Net income for the quarter rose 18% from a year earlier, to $4.4 million. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 0.26% of loans, down from 0.36% a year earlier.
As of June 30, 2026, Union Bank reported a CET1 capital ratio of 19.50%, a return on assets of 2.48%, a nonperforming-loan ratio of 0.26% and a Texas ratio of 1.60%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 303 Highway 71 N, Mena, AR 71953
- County
- Polk
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- July 25, 1934
- Offices
- 11 domestic
- Employees (FTE)
- 120
- Domestic deposits
- $625.9M
- Allowance for credit losses
- $7.4M
- Net charge-offs (YTD)
- $148K
- Average total assets
- $711.8M
- Average total loans
- $479.7M
- Average interest-bearing deposits
- $461.7M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 26, 1934
- FDIC Cert
- 14597
- Fed RSSD
- 86349
- Website
- www.gounion.bank →
- Parent Holding Company
- UNION BANKSHARES, INC. (RSSD 1099805)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Union Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
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How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Union Bank: ROA.
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 |
|---|---|---|---|---|---|
| Q2 2026 | 19.50% | 2.48% | 0.26% | 1.60% | 4.75% |
| Q1 2026 | 18.80% | 2.37% | 0.26% | 1.63% | 4.74% |
| Q4 2025 | 18.02% | 2.23% | 0.31% | 1.99% | 4.76% |
| Q3 2025 | 19.06% | 2.37% | 0.28% | 1.78% | 4.71% |
| Q2 2025 | 18.77% | 2.27% | 0.36% | 2.51% | 4.48% |
| Q1 2025 | 18.83% | 2.16% | 0.24% | 1.82% | 4.31% |
| Q4 2024 | 18.72% | 2.03% | 0.76% | 4.99% | 4.23% |
| Q3 2024 | 19.33% | 1.84% | 0.27% | 1.75% | 4.27% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 10 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Union Bank (main office) | Mena , AR | 71953 | $326.7M |
| Paris Branch | Paris , AR | 72855 | $88.2M |
| Waldron Branch | Waldron , AR | 72958 | $72.1M |
| Booneville Branch | Booneville , AR | 72927 | $46.7M |
| Ozark Branch | Ozark , AR | 72949 | $25.4M |
| Wickes Teller Window Branch | Wickes , AR | 71973 | $23.0M |
| Clarskville Branch | Clarksville , AR | 72830 | $17.1M |
| Hatfield Branch | Hatfield , AR | 71945 | $13.0M |
| Caulksville-Ratcliff Branch | Caulksville , AR | 72951 | $10.4M |
| Russellville Branch | Russellville , AR | 72801 | $3.3M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| February 17, 2024 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 17, 2024 | Structure Change | Acquired The First National Bank at Paris Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
What the public regulatory sources show for Union Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.6% of deposits in AR, rank 35 of 108 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 454 applications, 448 loans originated, $69.1M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 3 loans, $746K approved, $249K average. 33.33% of that year's loans have since been charged off
- Period: Federal fiscal year 2010 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Union Bank
What are Union Bank's total assets?
As of the Q2 2026 filing, Union Bank reported total assets of $710.2 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Union Bank headquartered?
Union Bank is headquartered in Mena, AR, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Union Bank founded?
Union Bank was established in 1934, per the FDIC institution directory.
Is Union Bank FDIC-insured?
Yes. Union Bank is an FDIC-insured commercial bank (FDIC Certificate #14597). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Union Bank?
Union Bank's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Union Bank's CET1 capital ratio?
Union Bank reported a Common Equity Tier 1 (CET1) capital ratio of 19.50% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Union Bank operate?
Union Bank operates 11 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Union Bank's Texas Ratio?
Union Bank's Texas Ratio is 1.60% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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