United Bank: 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.
Reserve coverage of non-performing loans climbed 203.85 percentage points in Q2 2026, from 1330.27% to 1534.12%. It was the largest change from Q1 2026 among the key lines here. United Bank ranks 45th of 78 Arkansas banks on return on assets, in the lower half at 1.25% (Q2 2026). At 1.25%, United Bank's return on assets is close to the 1.25% median for banks in the $100M-1B asset tier (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.43% |
| Tier 1 risk-based capital ratio | 13.43% |
| Total risk-based capital ratio | 14.69% |
| Tier 1 leverage ratio | 10.66% |
| Equity capital to assets | 10.80% |
| Tangible equity to tangible assets | 10.80% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.10% |
| Non-performing assets ratio | 0.09% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 0.71% |
| Allowance for credit losses to loans | 1.58% |
| Reserve coverage of non-performing loans | 1534.12% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.25% |
| Return on equity | 11.90% |
| Net interest margin | 4.41% |
| Efficiency ratio | 71.25% |
| Yield on earning assets | 6.87% |
| Cost of funds | 2.59% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.13% |
| Core deposits to total deposits | 89.58% |
| Brokered deposits to total deposits | 4.48% |
| Deposits to assets | 87.93% |
| Securities to assets | 5.71% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.13% | 12.13% | 13.39% | 9.05% | -0.09% |
| Q4 2023 | 13.58% | 13.58% | 14.83% | 10.37% | 0.11% |
| Q1 2024 | 13.62% | 13.62% | 14.88% | 10.42% | 0.08% |
| Q2 2024 | 12.81% | 12.81% | 14.07% | 10.50% | 0.64% |
| Q3 2024 | 12.75% | 12.75% | 14.00% | 10.28% | 0.55% |
| Q4 2024 | 13.06% | 13.06% | 14.31% | 10.32% | 0.72% |
| Q1 2025 | 12.95% | 12.95% | 14.21% | 10.50% | 0.70% |
| Q2 2025 | 12.54% | 12.54% | 13.80% | 10.40% | 0.89% |
| Q3 2025 | 12.16% | 12.16% | 13.41% | 10.50% | 1.02% |
| Q4 2025 | 12.55% | 12.55% | 13.80% | 10.28% | 1.03% |
| Q1 2026 | 13.09% | 13.09% | 14.34% | 10.37% | 1.14% |
| Q2 2026 | 13.43% | 13.43% | 14.69% | 10.66% | 1.25% |
United Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock United Bank, 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 United Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32025) · FFIEC NIC profile (RSSD 539377)