United Bank and Trust Company
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Data as of · sourced from FFIEC call reports. How we update
United Bank and Trust Company is an FDIC-insured commercial bank headquartered in Hampton, IA, established in 1915 (FDIC certificate 14247), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $228.4M, up 5.8% from Q2 2025, the 127th largest of 225 banks headquartered in Iowa. It reports no CET1 ratio; its Tier 1 leverage ratio was 14.83% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 14247
- Headquarters
- Hampton, IA
- Established
- 1915
- Total assets, Q2 2026
- $228.4M
- Assets vs Q2 2025
- +5.8%
- Tier 1 leverage ratio, Q2 2026
- 14.83%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 073918608
- Latest call report
- Q2 2026, FFIEC 051 · United Bank and Trust Company call report
- Holding company
- J. E. COONLEY COMPANY
- Asset rank in state
- 127th of 225 in Iowa
United Bank and Trust Company runs leaner than most banks of its size. It reported $228 million in assets at June 30, 2026, up 5.8% from a year earlier. It spends about 37 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). It also carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 2.6%).
Net income for the quarter rose 28% from a year earlier, to $1.2 million. Paper losses on its bond portfolio are shrinking: unrealized losses of $5.7 million equal 17% of Tier 1 capital, down from 25% a year earlier.
As of June 30, 2026, United Bank and Trust Company reported a return on assets of 2.09%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Of the 225 banks headquartered in Iowa, United Bank and Trust Company is the 127th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.3% to $228.4M, loans fell 0.3% and deposits fell 0.2%. Its loan book on June 30, 2026 was led by farmland and other real estate loans, at 31.9% of total loans, followed by agricultural production loans at 29.7%. The FDIC Summary of Deposits lists 4 offices for it, in 4 cities in IA; its Hampton office books 47% of its branch deposits. Judged on its Q2 2026 call report, United Bank and Trust Company meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 400 Central Ave E, Hampton, IA 50441
- County
- Franklin
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Trust powers grandfathered
- Call Report form
- FFIEC 051
- Established
- January 1, 1915
- Former names
- Sheffield Savings Bank (1935-1993)
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 23
- Domestic deposits
- $199.7M
- Allowance for credit losses
- $1.7M
- Net charge-offs (YTD)
- $0
- Average total assets
- $227.3M
- Average total loans
- $122.1M
- Average interest-bearing deposits
- $164.4M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 14247
- Fed RSSD
- 116741
- Website
- http://www.ubtc.net →
- Parent Holding Company
- J. E. COONLEY COMPANY (RSSD 1209529)
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, United Bank and Trust Company reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, United Bank and Trust Company's total assets ran between $200.1M (Q3 2024) and $228.4M (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
$228.4M total assets against $215.8M; $200.2M total liabilities against $191.8M.
$121.7M net loans and leases against $113.4M; $199.7M total deposits against $189.3M.
$63.2M securities against $64.0M; $38.6M cash and balances due against $33.5M.
$2.8M total interest income against $2.5M; $844K total interest expense against $887K.
$1.9M net interest income against $1.6M.
$72K total noninterest income against $76K; $759K total noninterest expense against $714K.
$12K provision for credit losses against $12K.
$1.2M net income against $930K.
2.09% return on assets against 1.74%; 3.53% net interest margin against 3.09%.
14.83% tier 1 leverage ratio against 14.66%.
Inside the full United Bank and Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeUnited Bank and Trust Company rankings
Its closest position to the top of a national ranking is 113 of 3,606, for efficiency ratio; its furthest is 3,515 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.30% (Q1 2025) to 2.09% (Q2 2026) and its net interest margin ran from 2.85% (Q3 2024) to 3.53% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.83% | 2.09% | 0.00% | 0.00% | 3.53% |
| Q1 2026 | 14.73% | 1.60% | 0.00% | 0.00% | 3.33% |
| Q4 2025 | 14.38% | 1.85% | 0.00% | 0.01% | 3.29% |
| Q3 2025 | 14.73% | 1.83% | 0.01% | 0.06% | 3.19% |
| Q2 2025 | 14.66% | 1.74% | 0.23% | 1.02% | 3.09% |
| Q1 2025 | 14.60% | 1.30% | 0.00% | 0.00% | 2.87% |
| Q4 2024 | 14.97% | 1.48% | 0.00% | 0.01% | 2.89% |
| Q3 2024 | 15.17% | 1.43% | 0.01% | 0.03% | 2.85% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 and Trust Company (main office) | Hampton , IA | 50441 | $94.4M |
| Sheffield Branch | Sheffield , IA | 50475 | $55.2M |
| Dows Branch | Dows , IA | 50071 | $25.5M |
| Alden Branch | Alden , IA | 50006 | $24.6M |
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 |
|---|---|---|---|
| December 18, 1995 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 18, 1995 | Structure Change | Acquired Alden State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 1, 1993 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 30, 1993 | Structure Change | Acquired Farmers State Bank of Dows 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 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in IA, rank 136 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $330K approved, $330K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2009 (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 United Bank and Trust Company
What are United Bank and Trust Company's total assets?
As of the Q2 2026 filing, United Bank and Trust Company reported total assets of $228.4 million in its FFIEC call report.
Where is United Bank and Trust Company headquartered?
It is headquartered in Hampton, IA, United States.
When was United Bank and Trust Company founded?
It was established in 1915, per the FDIC institution directory.
Is United Bank and Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #14247). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates United Bank and Trust Company?
United Bank and Trust Company's primary federal regulator is the FDIC.
How many branches does United Bank and Trust Company operate?
It operates 4 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 and Trust Company's Texas Ratio?
Its Texas Ratio is 0.00% 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 and Trust Company previously called?
The charter now named United Bank and Trust Company has also operated as Sheffield Savings Bank (1935-1993), per FDIC structure-change records.
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