United Bank & Trust
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Data as of · sourced from FFIEC call reports. How we update
United Bank & Trust is an FDIC-insured commercial bank headquartered in Marysville, KS, established in 1890 (FDIC certificate 17477), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $892.9M, up 1.6% from Q2 2025, the 22nd largest of 182 banks headquartered in Kansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.51% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 17477
- Headquarters
- Marysville, KS
- Established
- 1890
- Total assets, Q2 2026
- $892.9M
- Assets vs Q2 2025
- +1.6%
- Tier 1 leverage ratio, Q2 2026
- 11.51%
- Domestic offices
- 16 FDIC institution directory, current count
- Routing number
- 101115030
- Holding company
- UBT BANCSHARES, INC.
- Asset rank in state
- 22nd of 182 in Kansas
United Bank & Trust runs leaner than most banks of its size. Based in Marysville, Kansas, it had $893 million in assets at June 30, 2026, up 1.6% from a year earlier. It spends about 49 cents to bring in each dollar of revenue, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents).
Earnings jumped: net income for the quarter was $3.6 million, 32% above the same quarter a year earlier.
As of June 30, 2026, United Bank & Trust reported a return on assets of 1.56%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.89%. The figures come from its call report filed with the FFIEC.
United Bank & Trust ranks as the 22nd largest of the 182 banks based in Kansas, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 1.4% to $892.9M, loans rose 0.8% and deposits fell 2.6%. Its loan book on June 30, 2026 was led by farmland and other real estate loans, at 39.3% of total loans, followed by agricultural production loans at 22.8%. Its 16 offices in the FDIC Summary of Deposits are in 11 cities in KS; its Seneca 2 offices book 21% of its branch deposits. By the capital ratios in its Q2 2026 call report, United Bank & Trust meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 823 Broadway, Marysville, KS 66508
- County
- Marshall
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- July 1, 1890
- Domestic offices
- 16 FDIC institution directory, current count
- Employees (FTE)
- 108
- Domestic deposits
- $714.1M
- Allowance for credit losses
- $8.8M
- Net charge-offs (YTD)
- -$4K
- Average total assets
- $908.3M
- Average total loans
- $671.3M
- Average interest-bearing deposits
- $585.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 28, 1955
- FDIC Cert
- 17477
- Fed RSSD
- 990352
- SEC CIK
- 1274317 → filed by UBT BANCSHARES, INC.
- Website
- www.ubankonline.com →
- Parent Holding Company
- UBT BANCSHARES, INC. (RSSD 3219577)
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 & Trust 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 & Trust's total assets ran between $854.4M (Q3 2023) and $905.6M (Q4 2025), 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
$892.9M total assets against $879.2M; $786.4M total liabilities against $782.0M.
$663.3M net loans and leases against $643.1M; $714.1M total deposits against $693.4M.
$158.1M securities against $166.5M; $12.5M cash and balances due against $9.9M.
$11.6M total interest income against $10.9M; $3.2M total interest expense against $3.6M.
$8.3M net interest income against $7.3M.
$711K total noninterest income against $668K; $4.5M total noninterest expense against $4.4M.
$150K provision for credit losses against $150K.
$3.6M net income against $2.7M.
1.56% return on assets against 1.22%; 3.92% net interest margin against 3.54%.
11.51% tier 1 leverage ratio against 11.09%.
Inside the full United Bank & Trust terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeUnited Bank & Trust rankings
Its closest position to the top of a national ranking is 686 of 3,606, for efficiency ratio; its furthest is 2,737 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.19% (Q1 2025) to 1.56% (Q2 2026) and its net interest margin ran from 3.20% (Q3 2024) to 3.92% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.51% | 1.56% | 0.00% | 0.89% | 3.92% |
| Q1 2026 | 11.23% | 1.46% | 0.00% | 0.91% | 3.81% |
| Q4 2025 | 11.27% | 1.35% | 0.00% | 0.91% | 3.74% |
| Q3 2025 | 11.22% | 1.22% | 0.00% | 1.01% | 3.59% |
| Q2 2025 | 11.09% | 1.22% | 0.00% | 1.04% | 3.54% |
| Q1 2025 | 10.88% | 1.19% | 0.00% | 1.07% | 3.53% |
| Q4 2024 | 10.65% | 1.25% | 0.00% | 1.13% | 3.40% |
| Q3 2024 | 10.49% | 1.39% | 0.03% | 1.34% | 3.20% |
Swipe the table sideways to see every column.
Branch Network
View all 16 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 |
|---|---|---|---|
| Seneca Branch | Seneca , KS | 66538 | $149.7M |
| United Bank & Trust (main office) | Marysville , KS | 66508 | $107.1M |
| Sabetha Branch | Sabetha , KS | 66534 | $95.7M |
| Clay Center Branch | Clay Center , KS | 67432 | $92.0M |
| Concordia Branch | Concordia , KS | 66901 | $75.8M |
| Linn Branch | Linn , KS | 66953 | $52.5M |
| 229 C Street Branch | Washington , KS | 66968 | $46.4M |
| Belleville Branch | Belleville , KS | 66935 | $28.5M |
| Manhattan 4th Street Branch | Manhattan , KS | 66502 | $25.0M |
| Beattie Branch | Beattie , KS | 66406 | $22.8M |
| 413 Washington Street Branch | Clyde , KS | 66938 | $18.6M |
| 203 North 18th Branch | Marysville , KS | 66508 | $0 |
| 302 W 6th Street Branch | Concordia , KS | 66901 | $0 |
| West Crawford Branch | Clay Center , KS | 67432 | $0 |
| Drive-In Facility | Seneca , KS | 66538 | $0 |
| Sabetha Motor Branch | Sabetha , KS | 66534 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.7% of deposits in KS, rank 33 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 142 applications, 115 loans originated, $17.8M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $2.4M approved, $2.4M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 & Trust
What are United Bank & Trust's total assets?
As of the Q2 2026 filing, United Bank & Trust reported total assets of $892.9 million in its FFIEC call report.
Where is United Bank & Trust headquartered?
It is headquartered in Marysville, KS, United States.
When was United Bank & Trust founded?
It was established in 1890, per the FDIC institution directory.
Is United Bank & Trust FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #17477). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates United Bank & Trust?
United Bank & Trust's primary federal regulator is the Federal Reserve.
How many branches does United Bank & Trust operate?
It operates 16 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 & Trust's Texas Ratio?
Its Texas Ratio is 0.89% 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.
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