United Bank & Trust: 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 656.52 percentage points in Q2 2026, from 37743.48% to 38400.00%. It was the largest change from Q1 2026 among the key lines here. Within Kansas, United Bank & Trust is 75th of 182 on return on assets, 1.56% as of Q2 2026, above the middle of the field. United Bank & Trust reported 1.56% on return on assets for Q2 2026, 0.31 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.51% |
| Equity capital to assets | 11.92% |
| Tangible equity to tangible assets | 10.92% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.10% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.89% |
| Allowance for credit losses to loans | 1.31% |
| Reserve coverage of non-performing loans | 38400.00% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.56% |
| Return on equity | 13.50% |
| Net interest margin | 3.92% |
| Efficiency ratio | 48.70% |
| Yield on earning assets | 5.43% |
| Cost of funds | 1.64% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 94.12% |
| Core deposits to total deposits | 90.97% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 79.98% |
| Securities to assets | 17.71% |
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 | 10.63% | 1.04% | 3.14% | 0.05% | -0.02% |
| Q4 2023 | 10.55% | 0.97% | 3.09% | 0.04% | -0.00% |
| Q1 2024 | 10.50% | 0.93% | 3.06% | 0.03% | 0.00% |
| Q2 2024 | 10.60% | 0.91% | 3.08% | 0.02% | 0.01% |
| Q3 2024 | 10.49% | 1.39% | 3.20% | 0.03% | -0.00% |
| Q4 2024 | 10.65% | 1.25% | 3.40% | 0.00% | -0.00% |
| Q1 2025 | 10.88% | 1.19% | 3.53% | 0.00% | -0.00% |
| Q2 2025 | 11.09% | 1.22% | 3.54% | 0.00% | 0.00% |
| Q3 2025 | 11.22% | 1.22% | 3.59% | 0.00% | 0.00% |
| Q4 2025 | 11.27% | 1.35% | 3.74% | 0.00% | 0.00% |
| Q1 2026 | 11.23% | 1.46% | 3.81% | 0.00% | -0.00% |
| Q2 2026 | 11.51% | 1.56% | 3.92% | 0.00% | 0.00% |
United Bank & Trust vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock United Bank & Trust, 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 & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17477) · FFIEC NIC profile (RSSD 990352)