Union Bank & Trust Company (Monticello, AR)
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Data as of · sourced from FFIEC call reports. How we update
Union Bank & Trust Company is an FDIC-insured commercial bank headquartered in Monticello, AR, established in 1887 (FDIC certificate 1753), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $355.8M, up 9.7% from Q2 2025, the 44th largest of 78 banks headquartered in Arkansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.19% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 1753
- Headquarters
- Monticello, AR
- Established
- 1887
- Total assets, Q2 2026
- $355.8M
- Assets vs Q2 2025
- +9.7%
- Tier 1 leverage ratio, Q2 2026
- 10.19%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 082901567
- Latest call report
- Q2 2026, FFIEC 051 · Union Bank & Trust Company call report
- Holding company
- FIRST UNION FINANCIAL CORPORATION
- Asset rank in state
- 44th of 78 in Arkansas
Problem loans are falling at Union Bank & Trust Company. Based in Monticello, Arkansas, it had $356 million in assets at June 30, 2026, up 9.7% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, fell to 1.11% of loans from 1.49% a year earlier. It grew deposits 9.3% over the year, about double the median of 4.0% for the 2,660 banks with $100 million to $1 billion in assets. It also carries problem assets equal to 8.7% of the capital and reserves that would absorb them, about triple the median of 2.6% for banks its size.
Net income for the quarter rose 15% from a year earlier, to $1.3 million. Its $57 million commercial and industrial book is improving, with 2.91% past due or on nonaccrual, down from 3.81% a year earlier. Funding is the softer spot: it pays an average of 2.22% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, Union Bank & Trust Company reported a return on assets of 1.53%, a nonperforming-loan ratio of 1.11% and a Texas ratio of 8.65%. The figures come from its call report filed with the FFIEC.
Union Bank & Trust Company ranks as the 44th largest of the 78 banks based in Arkansas, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 8.0% to $355.8M, loans rose 5.3% and deposits rose 8.7%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 27.6% of total loans, followed by commercial and industrial loans at 20.3%. Its 5 offices in the FDIC Summary of Deposits are in Monticello, AR and Warren, AR; its Monticello 3 offices book 85% of its branch deposits. By the capital ratios in its Q2 2026 call report, Union Bank & Trust Company meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 102 W Mccloy St, Monticello, AR 71655
- County
- Drew
- 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
- Trust powers grandfathered
- Call Report form
- FFIEC 051
- Established
- April 1, 1887
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 58
- Domestic deposits
- $320.8M
- Allowance for credit losses
- $5.0M
- Net charge-offs (YTD)
- $135K
- Average total assets
- $351.3M
- Average total loans
- $272.2M
- Average interest-bearing deposits
- $265.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1753
- Fed RSSD
- 22048
- Website
- www.unionbnk.com →
- Parent Holding Company
- FIRST UNION FINANCIAL CORPORATION (RSSD 1098880)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Union Bank & Trust Company reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Union Bank & Trust Company's total assets moved between a low of $294.3M (Q3 2023) and a high of $355.8M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$355.8M total assets against $324.3M; $324.9M total liabilities against $297.6M.
$275.3M net loans and leases against $252.0M; $320.8M total deposits against $293.6M.
$43.4M securities against $46.8M; $22.1M cash and balances due against $10.8M.
$5.2M total interest income against $4.6M; $1.7M total interest expense against $1.6M.
$3.4M net interest income against $3.0M.
$573K total noninterest income against $566K; $2.3M total noninterest expense against $2.2M.
$350K provision for credit losses against $225K.
$1.3M net income against $1.2M.
1.53% return on assets against 1.45%; 4.05% net interest margin against 3.91%.
10.19% tier 1 leverage ratio against 10.41%.
Inside the full Union Bank & Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeUnion Bank & Trust Company rankings
Its closest position to the top of a national ranking is 756 of 3,640, for Texas Ratio; its furthest is 2,216 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.03% (Q3 2024) to 1.65% (Q3 2025) and its net interest margin ran from 3.50% (Q3 2024) to 4.18% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.19% | 1.53% | 1.11% | 8.65% | 4.05% |
| Q1 2026 | 10.63% | 1.60% | 1.19% | 8.99% | 4.12% |
| Q4 2025 | 10.31% | 1.35% | 1.16% | 9.11% | 4.18% |
| Q3 2025 | 10.27% | 1.65% | 1.59% | 12.94% | 4.07% |
| Q2 2025 | 10.41% | 1.45% | 1.49% | 12.74% | 3.91% |
| Q1 2025 | 10.67% | 1.59% | 0.72% | 5.73% | 3.98% |
| Q4 2024 | 10.29% | 1.34% | 0.41% | 3.34% | 3.90% |
| Q3 2024 | 10.14% | 1.03% | 0.23% | 1.84% | 3.50% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Union Bank & Trust Company (main office) | Monticello , AR | 71655 | $273.4M |
| Warren Branch | Warren , AR | 71671 | $47.4M |
| University Branch | Monticello , AR | 71655 | $0 |
| Express Branch | Monticello , AR | 71657 | $0 |
| Warren Express Branch | Warren , AR | 71671 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in AR, rank 54 of 108 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $115K approved, $115K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2016 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Union Bank & Trust Company
What are Union Bank & Trust Company's total assets?
As of the Q2 2026 filing, Union Bank & Trust Company reported total assets of $355.8 million in its FFIEC call report.
Where is Union Bank & Trust Company headquartered?
It is headquartered in Monticello, AR, United States.
When was Union Bank & Trust Company founded?
It was established in 1887, per the FDIC institution directory.
Is Union Bank & Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #1753). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Union Bank & Trust Company?
Union Bank & Trust Company's primary federal regulator is the Federal Reserve.
How many branches does Union Bank & Trust Company operate?
It operates 5 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 & Trust Company's Texas Ratio?
Its Texas Ratio is 8.65% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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