Union Bank & Trust Company: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 5.74 percentage points lower than in Q1 2026, at 85.62%. Union Bank & Trust Company ranks 26th of 78 Arkansas banks on return on assets, in the upper half at 1.53% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Union Bank & Trust Company sits 0.27 points higher, at 1.53% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.19% |
| Equity capital to assets | 8.68% |
| Tangible equity to tangible assets | 8.68% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.06% |
| Non-performing assets ratio | 1.63% |
| Net charge-off ratio | 0.15% |
| Texas ratio | 16.16% |
| Allowance for credit losses to loans | 1.77% |
| Reserve coverage of non-performing loans | 85.62% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.53% |
| Return on equity | 17.50% |
| Net interest margin | 4.05% |
| Efficiency ratio | 57.13% |
| Yield on earning assets | 6.10% |
| Cost of funds | 2.22% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.36% |
| Core deposits to total deposits | 79.62% |
| Brokered deposits to total deposits | 9.76% |
| Deposits to assets | 90.18% |
| Securities to assets | 12.20% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 11.15% | 6.92% | 3.62% | 1.09% | 0.03% |
| Q4 2023 | 10.60% | 1.59% | 3.66% | 0.87% | 0.21% |
| Q1 2024 | 10.33% | 1.03% | 3.41% | 0.46% | 0.03% |
| Q2 2024 | 10.30% | 1.24% | 3.51% | 1.09% | 0.17% |
| Q3 2024 | 10.14% | 1.03% | 3.50% | 0.95% | 0.45% |
| Q4 2024 | 10.29% | 1.34% | 3.90% | 1.30% | 0.15% |
| Q1 2025 | 10.67% | 1.59% | 3.98% | 1.64% | 0.06% |
| Q2 2025 | 10.41% | 1.45% | 3.91% | 2.06% | 0.12% |
| Q3 2025 | 10.27% | 1.65% | 4.07% | 1.69% | 0.04% |
| Q4 2025 | 10.31% | 1.35% | 4.18% | 1.96% | 0.78% |
| Q1 2026 | 10.63% | 1.60% | 4.12% | 1.94% | 0.05% |
| Q2 2026 | 10.19% | 1.53% | 4.05% | 2.06% | 0.15% |
Union Bank & Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Union Bank & Trust Company, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Union Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1753) · FFIEC NIC profile (RSSD 22048)