Bank call report · Marshalltown, IA
United Bank & Trust Co. Call Report
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United Bank & Trust Co. filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 041. Below are its 317 reported line items, schedule by schedule (902 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 041 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 3103591 |
| FDIC certificate number | 57391 |
| Total assets | $120.1M |
Official Q2 2026 call report PDF (FFIEC) →
United Bank & Trust Co. call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 041.
Schedule RC: Balance Sheet (24 items)
About Schedule RC · United Bank & Trust Co. balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $120.1M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $120.1M |
| Total Liabilities and Minority Interest | RCON2948 | $108.2M |
| Total Deposits | RCON2200 | $106.7M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $90.7M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $68.9M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $68.0M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $33.6M |
| Deposits: Noninterest-bearing | RCON6631 | $16.1M |
| Total Equity Capital | RCON3210 | $11.9M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $11.9M |
| Interest-bearing Balances | RCON0071 | $8.6M |
| Surplus | RCON3839 | $6.6M |
| Federal Funds Sold | RCONB987 | $5.4M |
| Undivided Profits and Capital Reserves | RCON3632 | $3.2M |
| Common Stock | RCON3230 | $2.8M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $2.2M |
| Other Assets | RCON2160 | $1.4M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $954K |
| Securities Sold Under Agreements to Repurchase | RCONB995 | $922K |
| Allowance for Loan and Lease Losses | RCON3123 | $900K |
| Accumulated Other Comprehensive Income | RCONB530 | -$712K |
| Other Liabilities, Total | RCON2930 | $559K |
| Loans and Leases Held for Sale | RCON5369 | $42K |
Schedule RI: Income Statement (41 items)
About Schedule RI · United Bank & Trust Co. income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $2.7M |
| Net Interest Income | RIAD4074 | $2.1M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $1.9M |
| Total Noninterest Expense | RIAD4093 | $1.6M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $1.0M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $969K |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $969K |
| Salaries and Employee Benefits | RIAD4135 | $796K |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $752K |
| Net Income (Loss) | RIAD4340 | $752K |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $752K |
| Total Interest Expense | RIAD4073 | $623K |
| Other Noninterest Expense | RIAD4092 | $616K |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $540K |
| Total Noninterest Income | RIAD4079 | $508K |
| Interest on Other Securities | RIAD4060 | $282K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $232K |
| Applicable Income Taxes | RIAD4302 | $217K |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $197K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $188K |
| Savings Deposits (Including Mmdas) | RIAD0093 | $185K |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $139K |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $139K |
| Interest and Fee Income on Loans to Finance Agricultural Production and Other Loans to Farmers in Domestic Offices | RIAD4024 | $139K |
| Net Gains (Losses) on Sales of Loans | RIAD5416 | $138K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $134K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $130K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $116K |
| Amortization Expense and Impairment Losses Intangible Assets | RIADC232 | $110K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $83K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $59K |
| Other Noninterest Income | RIADB497 | $57K |
| Fees and Commissions from Securities Brokerage | RIADC886 | $54K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $49K |
| Interest Income on Federal Funds Sold and Securities Purchased Under Agreements to Resell | RIAD4020 | $36K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $20K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | -$19K |
| Provision for Loan and Lease Losses | RIAD4230 | -$15K |
| Expense of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RIAD4180 | $13K |
| Other Interest Income | RIAD4518 | $2K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 16 |
Schedule RC-B: Securities (22 items)
About Schedule RC-B · United Bank & Trust Co. securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Amortized Cost | RCONG306 | $7.3M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Fair Value | RCONG307 | $7.0M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $34.6M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $17.3M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $16.9M |
| Pledged Securities | RCON0416 | $13.8M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $9.1M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $6.3M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $5.9M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $5.5M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $4.5M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $4.4M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $4.3M |
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCON1286 | $4.0M |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCON1287 | $4.0M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $3.6M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $3.2M |
| Amortized Cost of Other Available-for-sale Domestic Debt Securities | RCON1739 | $1.5M |
| Fair Value of Other Available-for-sale Domestic Debt Securities | RCON1741 | $1.5M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $998K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA556 | $122K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA558 | $40K |
Schedule RC-C, Part I: Loans and Leases (31 items)
About Schedule RC-C, Part I · United Bank & Trust Co. loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $68.9M |
| Pledged Loans and Leases | RCONG378 | $24.3M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $19.4M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $19.0M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $15.7M |
| Real Estate Loans Secured by Farmland | RCON1420 | $12.4M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $11.6M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $11.4M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $9.7M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $8.8M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $8.0M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $5.1M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $4.8M |
| Commercial and Industrial Loans | RCON1766 | $4.6M |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $4.2M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $3.8M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $3.4M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $3.4M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $3.2M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $2.4M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $2.1M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $1.4M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $1.3M |
| Loans to Depository Institutions | RCON1288 | $1.2M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $890K |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $853K |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $451K |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $415K |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $317K |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $79K |
| Other Loans | RCONJ464 | $67K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (24 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5583 | $4.3M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $3.0M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5581 | $1.8M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $1.7M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5589 | $1.2M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $925K |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $852K |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $748K |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5585 | $708K |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5587 | $564K |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $561K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5579 | $377K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 50 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5584 | 27 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5580 | 16 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5582 | 16 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 15 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 15 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 14 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 13 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 10 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5586 | 7 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 5 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5588 | 3 |
Schedule RC-E: Deposit Liabilities (22 items)
About Schedule RC-E · United Bank & Trust Co. deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Transaction Accounts | RCON2215 | $56.3M |
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $50.4M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $44.7M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $44.4M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $23.1M |
| Total Demand Deposits (See Note Below) | RCON2210 | $16.1M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $11.9M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $10.2M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $9.3M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $8.4M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $7.8M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $6.3M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $5.8M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $4.4M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $3.3M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $2.5M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $2.3M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $2.0M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $1.2M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $1.1M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $1.0M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $762K |
Schedule RC-F: Other Assets (4 items)
Schedule RC-G: Other Liabilities (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $257K |
| Other Expenses Accrued and Unpaid | RCON3646 | $165K |
| Deferred Compensation Liabilities | RCONC011 | $138K |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $92K |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $45K |
Schedule RC-K: Quarterly Averages (17 items)
About Schedule RC-K · United Bank & Trust Co. quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $120.9M |
| Quarterly Average of Total Loans | RCON3360 | $68.8M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $41.3M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $39.2M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $32.6M |
| All Other Securities | RCONB560 | $19.8M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $17.2M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $14.0M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $10.7M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $8.8M |
| Mortgage-backed Securities | RCONB559 | $7.4M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $5.4M |
| Quarterly Average of Loans to Finance Agricultural Production and Other Loans to Farmers | RCON3386 | $4.2M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $3.8M |
| Quarterly Average of Federal Funds Sold and Securities Purchased Under Agreements to Resell | RCON3365 | $2.7M |
| Quarterly Average of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RCON3353 | $1.2M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $541K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (7 items)
About Schedule RC-L · United Bank & Trust Co. derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $5.6M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $5.6M |
| Interest Rate Forward Contracts | RCON8697 | $2.0M |
| Total Gross Notional Amount of Interest Rate Derivative Contracts Held for Purposes Other Than Trading: Contracts Marked to Market | RCON8725 | $2.0M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $1.3M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $691K |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $83K |
Schedule RC-M: Memoranda (1 item)
About Schedule RC-M · United Bank & Trust Co. memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $72K |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (13 items)
About Schedule RC-N · United Bank & Trust Co. past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $1.8M |
| Loans Secured by Other Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF179 | $1.6M |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty Included in Schedule Rc-n Items 1 Through 7 Above and Not Reported in Schedule Rc-c, Part I, Memo Item 1, Nonaccrual | RCONHK28 | $1.1M |
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $1.1M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty -Loans Secured by Other Nonfarm Nonresidential Properties :Nonaccrual | RCONK119 | $911K |
| Loans Secured by Other Nonfarm Nonresidential Properties, Nonaccrual | RCONF183 | $911K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $143K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty Secured by 1-4 Residential Properties (in Domestic Offices) - Nonaccrual | RCONF663 | $143K |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Farmland - Past Due 30 Through 89 Days and Still Accruing | RCON3493 | $111K |
| Additions to Nonaccrual Assets | RCONC410 | $58K |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $29K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty: Commercial and Industrial Loans - Nonaccrual | RCONK259 | $29K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $13K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (10 items)
About Schedule RC-O · United Bank & Trust Co. other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $120.9M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $107.6M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $63.8M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $41.6M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $12.7M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $2.3M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 3,521 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 75 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 50 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R: Regulatory Capital (1 item)
About Schedule RC-R · United Bank & Trust Co. regulatory capital trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets Before Deductions for Excess Allowance for Loan and Lease Losses and Allocated Transfer Risk Reserve - 100% | RCONB704 | $76.8M |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (21 items)
About Schedule RC-R, Part I · United Bank & Trust Co. regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Total Assets (Net of Deductions) | RCOAA224 | $120.9M |
| Average total consolidated assets | RCOAKW03 | $120.9M |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $76.8M |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $13.6M |
| Common Equity Tier 1 Capital | RCOAP859 | $12.6M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $12.6M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $12.6M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $11.9M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $9.4M |
| Retained Earnings | RCOAKW00 | $3.2M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $945K |
| Tier 2 (Supplementary) Capital | RCOA5311 | $945K |
| Tier 2 Capital Before Deductions | RCOAP870 | $945K |
| Accumulated Other Comprehensive Income | RCOAB530 | -$712K |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$712K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.177 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.1647 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.1647 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1046 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.097 |
Schedule RC-R, Part II: Risk-Weighted Assets (50 items)
About Schedule RC-R, Part II · United Bank & Trust Co. risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $76.8M |
| Total Risk-weighted Assets | RCONG641 | $76.8M |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $59.7M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $59.7M |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $55.9M |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $52.2M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $34.1M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $33.6M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $24.6M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $24.6M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $24.0M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $24.0M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $18.3M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $18.1M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $17.4M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $16.8M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $15.6M |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $15.6M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $12.3M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $10.8M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $9.0M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $8.5M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $8.1M |
| Available-for-sale Securities - 50 Pct Risk Weight Category | RCOND969 | $6.5M |
| Federal Funds Sold in Domestic Offices | RCOND971 | $5.4M |
| Federal Funds Sold in Domestic Offices - 20 Pct Risk Weight Category | RCOND973 | $5.4M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $4.8M |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $4.3M |
| Available-for-sale Securities - 100 Pct Risk Weight Category | RCOND970 | $2.8M |
| Total All Other Assets | RCOND981 | $2.4M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $2.3M |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $2.2M |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $2.2M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Interest Rate - One Year or Less | RCONS582 | $2.0M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$1.9M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $1.8M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCONS530 | $1.6M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $1.6M |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 100 Pct Risk Weight Category | RCONS454 | $1.1M |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $1.1M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$956K |
| Repo-style Transactions - 0 Pct Risk Weight Category | RCONS517 | $922K |
| Repo-style Transactions - Credit Equivalent Amount | RCONS516 | $922K |
| Repo-style Transactions - Face, Notional, or Other Amount | RCONS515 | $922K |
| All Other Assets, Allocation by Risk Weight Category 2% | RCONHJ88 | $74K |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 2 Pct Risk Weight Category | RCONS558 | $74K |
| Total Balance Sheet Assets, Allocation by Risk Weight Category 2% | RCONHJ90 | $74K |
| Loans and Leases Held for Sale, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS417 | $42K |
| Total Loans and Leases Held for Sale, Residential Mortgage Exposures | RCONS413 | $42K |
| Risk-weighted Assets by Risk-weighted Category - 2 Pct Risk Weight Category | RCONS569 | $1K |
Schedule RC-T: Fiduciary and Related Services (1 item)
| Line item | Code | Q2 2026 |
|---|---|---|
| Income from Fiduciary Activities | RIAD4070 | $210K |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $11.9M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $11.9M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $11.9M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $600K |
| Other Comprehensive Income | RIADB511 | -$135K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (3 items)
About Schedule RI-B, Part II · United Bank & Trust Co. changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $915K |
| Allowance for Loan and Lease Losses | RIAD3123 | $900K |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | -$4K |
Schedule RI-E: Explanations (15 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Third Itemized Amount That Exceeds 10% of Other Noninterest Expense (4092) | RIAD4468 | $129K |
| Data Processing Expenses | RIADC017 | $117K |
| Legal Expense | RIAD4141 | $98K |
| Directors' Fees | RIAD4136 | $35K |
| Marketing and Other Professional Services | RIAD0497 | $33K |
| Automated Teller Machine (ATM) and Interchange Expense | RIADF558 | $27K |
| Income and Fees from Automated Teller Machines (Atms) | RIADC016 | $27K |
| Second Itemized Amount That Exceeds 10% of Other Noninterest Expense (4092) | RIAD4467 | $17K |
| Third Itemized Amount That Exceeds 10% of All Other Noninterest Income (5408) | RIAD4463 | $13K |
| Operating Expenses Communications - Postage, Monthly | RIAD8403 | $12K |
| Income and Fees from the Printing and Sale of Checks | RIADC013 | $11K |
| Printing, Stationery, and Supplies | RIADC018 | $11K |
| Telecommunications Expense | RIADF559 | $11K |
| Safe Deposit Box Rent | RIADC015 | $5K |
| Bank Card and Credit Card Interchange Fees | RIADF555 | $1K |
United Bank & Trust Co. call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the United Bank & Trust Co. call report?
The United Bank & Trust Co. call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does United Bank & Trust Co. file?
United Bank & Trust Co. files the FFIEC 041. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the United Bank & Trust Co. call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: United Bank & Trust Co. has Federal Reserve RSSD ID 3103591 and FDIC certificate number 57391. Either one finds its filings on the FFIEC Central Data Repository.
How often does United Bank & Trust Co. file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
United Bank & Trust Co. financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 57391) · FFIEC NIC profile (RSSD 3103591)