United Bank and 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 Efficiency ratio: 11.34 percentage points lower than in Q1 2026, at 36.59%. Within Iowa, United Bank and Trust Company is 28th of 225 on return on assets, 2.09% as of Q2 2026, above the middle of the field. Against a median of 1.25% for banks in the $100M-1B asset tier, United Bank and Trust Company reported 2.09% on return on assets in Q2 2026, 0.84 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 14.83% |
| Equity capital to assets | 12.35% |
| Tangible equity to tangible assets | 12.35% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.41% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.09% |
| Return on equity | 17.17% |
| Net interest margin | 3.53% |
| Efficiency ratio | 36.59% |
| Yield on earning assets | 5.01% |
| Cost of funds | 1.69% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 61.80% |
| Core deposits to total deposits | 86.27% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.43% |
| Securities to assets | 27.65% |
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 | 14.23% | 1.44% | 2.85% | 0.00% | 0.00% |
| Q4 2023 | 14.26% | 1.47% | 2.87% | 0.00% | 0.00% |
| Q1 2024 | 14.62% | 1.14% | 2.78% | 0.00% | 0.00% |
| Q2 2024 | 14.73% | 1.53% | 2.87% | 0.00% | 0.00% |
| Q3 2024 | 15.17% | 1.43% | 2.85% | 0.00% | 0.01% |
| Q4 2024 | 14.97% | 1.48% | 2.89% | 0.00% | 0.00% |
| Q1 2025 | 14.60% | 1.30% | 2.87% | 0.00% | 0.01% |
| Q2 2025 | 14.66% | 1.74% | 3.09% | 0.00% | 0.03% |
| Q3 2025 | 14.73% | 1.83% | 3.19% | 0.00% | 0.02% |
| Q4 2025 | 14.38% | 1.85% | 3.29% | 0.00% | 0.00% |
| Q1 2026 | 14.73% | 1.60% | 3.33% | 0.00% | 0.00% |
| Q2 2026 | 14.83% | 2.09% | 3.53% | 0.00% | 0.00% |
United Bank and Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock United Bank and 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 United Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14247) · FFIEC NIC profile (RSSD 116741)