United Bank (Springdale, AR)
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Data as of · sourced from FFIEC call reports. How we update
United Bank is an FDIC-insured commercial bank headquartered in Springdale, AR, established in 1978 (FDIC certificate 32025), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $296.0M, down 0.3% from Q2 2025, the 53rd largest of 78 banks headquartered in Arkansas. Its CET1 capital ratio was 13.43% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 32025
- Headquarters
- Springdale, AR
- Established
- 1978
- Total assets, Q2 2026
- $296.0M
- Assets vs Q2 2025
- -0.3%
- CET1 ratio, Q2 2026
- 13.43%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 282974161
- Latest call report
- Q2 2026, FFIEC 051 · United Bank call report
- Holding company
- UNITED HOLDING COMPANY, INC.
- Asset rank in state
- 53rd of 78 in Arkansas
United Bank leans heavily on commercial real estate. The Springdale, Arkansas bank had $296 million in assets at June 30, 2026. It holds commercial real estate loans worth 2.7 times its capital, about double the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. It also pays an average of 2.59% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
Earnings jumped: net income for the quarter was $944,000, 45% above the same quarter a year earlier. Costs are the weak spot: it spends about 71 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, United Bank reported a CET1 capital ratio of 13.43%, a return on assets of 1.25%, a nonperforming-loan ratio of 0.10% and a Texas ratio of 0.71%. The figures come from its call report filed with the FFIEC.
United Bank ranks as the 53rd largest of the 78 banks based in Arkansas, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 7.4% to $296.0M, loans fell 0.6% and deposits fell 8.4%. 1-4 family residential loans made up 35.8% of its total loans on June 30, 2026, its largest category; next came construction and land development loans at 22.2%. Its 5 offices in the FDIC Summary of Deposits are in 4 cities in AR; its Springdale 2 offices book 67% of its branch deposits. Judged on its Q2 2026 call report, United Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 2600 S Thompson St, Springdale, AR 72764
- County
- Washington
- Metro Area
- Fayetteville-Springdale-Rogers, AR
- 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
- January 1, 1978
- Former names
- United Federal Savings Bank (1986-1995)
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 53
- Domestic deposits
- $260.3M
- Allowance for credit losses
- $3.9M
- Net charge-offs (YTD)
- -$3K
- Average total assets
- $302.3M
- Average total loans
- $247.2M
- Average interest-bearing deposits
- $231.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 32025
- Fed RSSD
- 539377
- Website
- www.united-bk.com →
- Parent Holding Company
- UNITED HOLDING COMPANY, INC. (RSSD 3832181)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, United Bank's total assets ran between $270.4M (Q3 2023) and $319.5M (Q1 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$296.0M total assets against $296.7M; $264.0M total liabilities against $266.5M.
$243.7M net loans and leases against $242.7M; $260.3M total deposits against $253.1M.
$16.9M securities against $11.4M; $23.8M cash and balances due against $31.0M.
$4.9M total interest income against $4.8M; $1.8M total interest expense against $1.9M.
$3.2M net interest income against $2.9M.
$132K total noninterest income against $122K; $2.3M total noninterest expense against $2.2M.
$0 provision for credit losses against $90K.
$944K net income against $653K.
1.25% return on assets against 0.89%; 4.41% net interest margin against 4.13%.
13.43% CET1 capital ratio against 12.54%; 10.66% tier 1 leverage ratio against 10.40%.
Inside the full United Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
United Bank rankings
Its closest position to the top of a national ranking is 1,897 of 3,611, for ROA; its furthest is 2,857 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.55% (Q3 2024) to 1.25% (Q2 2026) and its net interest margin ran from 3.52% (Q3 2024) to 4.41% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.43% | 1.25% | 0.10% | 0.71% | 4.41% |
| Q1 2026 | 13.09% | 1.14% | 0.12% | 0.83% | 4.34% |
| Q4 2025 | 12.55% | 1.03% | 0.13% | 0.92% | 4.28% |
| Q3 2025 | 12.16% | 1.02% | 0.14% | 1.14% | 4.18% |
| Q2 2025 | 12.54% | 0.89% | 0.18% | 1.31% | 4.13% |
| Q1 2025 | 12.95% | 0.70% | 0.26% | 1.93% | 3.80% |
| Q4 2024 | 13.06% | 0.72% | 0.28% | 2.10% | 3.99% |
| Q3 2024 | 12.75% | 0.55% | 0.39% | 2.96% | 3.52% |
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 |
|---|---|---|---|
| United Bank (main office) | Springdale , AR | 72764 | $156.7M |
| Rogers Branch | Rogers , AR | 72756 | $55.1M |
| Fayetteville Branch | Fayetteville , AR | 72703 | $18.2M |
| Springdale Branch | Springdale , AR | 72764 | $18.2M |
| Bentonville Branch | Bentonville , AR | 72712 | $12.0M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 5 against the institution (OCC, OCC (former OTS)); 2 against individuals associated with it
- April 19, 2012, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): United Bank
- November 19, 2010, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): United Bank
- November 19, 2010, OCC (former OTS): Cease and Desist: United Bank
- October 26, 2005, OCC (former OTS): Termination of Cease and Desist: United Bank
- July 2, 2004, OCC (former OTS): Cease and Desist: United Bank
- Period: Most recent institution action April 19, 2012. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in AR, rank 62 of 108 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 40 applications, 30 loans originated, $16.6M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $43K approved, $43K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2019 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 United Bank
What are United Bank's total assets?
As of the Q2 2026 filing, United Bank reported total assets of $296.0 million in its FFIEC call report.
Where is United Bank headquartered?
It is headquartered in Springdale, AR, United States.
When was United Bank founded?
It was established in 1978, per the FDIC institution directory.
Is United Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #32025). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates United Bank?
United Bank's primary federal regulator is the Federal Reserve.
What is United Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.43% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does United Bank 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 United Bank's Texas Ratio?
Its Texas Ratio is 0.71% 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.
What was United Bank previously called?
The charter now named United Bank has also operated as United Federal Savings Bank (1986-1995), per FDIC structure-change records.
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