United Bank & Trust Co.
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Data as of · sourced from FFIEC call reports. How we update
United Bank & Trust Co. is an FDIC-insured commercial bank headquartered in Marshalltown, IA, established in 2002 (FDIC certificate 57391), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $120.1M, down 1.0% from Q2 2025, the 184th largest of 225 banks headquartered in Iowa. Its CET1 capital ratio was 16.47% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 57391
- Headquarters
- Marshalltown, IA
- Established
- 2002
- Total assets, Q2 2026
- $120.1M
- Assets vs Q2 2025
- -1.0%
- CET1 ratio, Q2 2026
- 16.47%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 073922843
- Latest call report
- Q2 2026, FFIEC 041 · United Bank & Trust Co. call report
- Holding company
- AMES NATIONAL CORPORATION
- Asset rank in state
- 184th of 225 in Iowa
United Bank & Trust Co., based in Marshalltown, Iowa, reported $120 million in assets at June 30, 2026. It shrank its loan book 5.9% over the year, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 5.5%). It also pays an average of 1.18% on its deposits and borrowings, lower than about three-quarters of banks its size (median 1.80%).
The non-owner-occupied commercial real estate book ($8.8 million) is worsening: 29.03% of it is past due or on nonaccrual, up from 9.18% a year earlier. The balance sheet shrank over the year: over the year loans fell 5.9% and deposits fell 0.5%. Credit is the area to watch: it carries problem assets equal to 8.4% of the capital and reserves that would absorb them, about triple the median of 2.6% for banks its size.
As of June 30, 2026, United Bank & Trust Co. reported a CET1 capital ratio of 16.47%, a return on assets of 1.19%, a nonperforming-loan ratio of 1.57% and a Texas ratio of 8.44%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, United Bank & Trust Co. is the 184th largest of the 225 banks headquartered in Iowa. From Q1 2026 to Q2 2026, its total assets rose 0.5% to $120.1M, loans fell 0.1% and deposits rose 0.9%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 27.5% of total loans, ahead of farmland and other real estate loans at 18.0%. The FDIC Summary of Deposits lists 2 offices for it, in Marshalltown, IA. On its Q2 2026 call report, United Bank & Trust Co. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 2101 S Center St, Marshalltown, IA 50158
- County
- Marshall
- Metro Area
- Marshalltown, IA
- 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
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- June 21, 2002
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 16
- Domestic deposits
- $106.7M
- Allowance for credit losses
- $900K
- Net charge-offs (YTD)
- $0
- Average total assets
- $120.9M
- Average total loans
- $68.8M
- Average interest-bearing deposits
- $89.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 21, 2002
- FDIC Cert
- 57391
- Fed RSSD
- 3103591
- SEC CIK
- 1132651 → filed by AMES NATIONAL CORPORATION
- Website
- www.bankubt.com →
- Parent Holding Company
- AMES NATIONAL CORPORATION (RSSD 1202258) · ATLO
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
United Bank & Trust Co.'s total assets moved between a low of $118.5M (Q4 2023) and a high of $130.3M (Q4 2024) from Q3 2023 to 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
$120.1M total assets against $121.3M; $108.2M total liabilities against $110.0M.
$68.0M net loans and leases against $72.3M; $106.7M total deposits against $107.3M.
$33.6M securities against $32.6M; $16.2M cash and balances due against $14.1M.
$1.4M total interest income against $1.4M; $316K total interest expense against $399K.
$1.1M net interest income against $964K.
$332K total noninterest income against $187K; $943K total noninterest expense against $677K.
$13K provision for credit losses against -$13K.
$360K net income against $376K.
1.19% return on assets against 1.20%; 3.71% net interest margin against 3.17%.
16.47% CET1 capital ratio against 15.21%; 10.46% tier 1 leverage ratio against 9.77%.
Inside the full United Bank & Trust Co. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeUnited Bank & Trust Co. rankings
Its closest position to the top of a national ranking is 780 of 3,640, for Texas Ratio; its furthest is 3,513 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.89% (Q3 2024) to 1.36% (Q3 2025) and its net interest margin ran from 2.82% (Q3 2024) to 3.71% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.47% | 1.19% | 1.57% | 8.44% | 3.71% |
| Q1 2026 | 16.39% | 1.31% | 1.75% | 9.54% | 3.43% |
| Q4 2025 | 16.06% | 1.34% | 1.48% | 7.99% | 3.35% |
| Q3 2025 | 15.97% | 1.36% | 1.52% | 8.55% | 3.25% |
| Q2 2025 | 15.21% | 1.20% | 1.48% | 8.82% | 3.17% |
| Q1 2025 | 14.84% | 0.95% | 1.50% | 9.36% | 2.95% |
| Q4 2024 | 15.11% | 1.14% | 1.61% | 9.91% | 2.92% |
| Q3 2024 | 14.41% | 0.89% | 1.60% | 9.88% | 2.82% |
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Branch Network
View all 2 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 & Trust Co. (main office) | Marshalltown , IA | 50158 | $106.7M |
| Courthouse Branch | Marshalltown , IA | 50158 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IA, rank 201 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $180K approved, $180K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (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 & Trust Co.
What are United Bank & Trust Co.'s total assets?
As of the Q2 2026 filing, United Bank & Trust Co. reported total assets of $120.1 million in its FFIEC call report.
Where is United Bank & Trust Co. headquartered?
It is headquartered in Marshalltown, IA, United States.
When was United Bank & Trust Co. founded?
It was established in 2002, per the FDIC institution directory.
Is United Bank & Trust Co. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57391). 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 Co.?
United Bank & Trust Co.'s primary federal regulator is the FDIC.
What is United Bank & Trust Co.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 16.47% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does United Bank & Trust Co. operate?
It operates 2 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 Co.'s Texas Ratio?
Its Texas Ratio is 8.44% 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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