United Bank & Trust Co.: 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 Reserve coverage of non-performing loans: 9.49 percentage points higher than in Q1 2026, at 83.10%. United Bank & Trust Co. ranks 151st of 225 Iowa banks on return on assets, in the lower half at 1.19% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. United Bank & Trust Co. sits 0.06 points lower, at 1.19% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 16.47% |
| Tier 1 risk-based capital ratio | 16.47% |
| Total risk-based capital ratio | 17.70% |
| Tier 1 leverage ratio | 10.46% |
| Equity capital to assets | 9.94% |
| Tangible equity to tangible assets | 9.94% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.57% |
| Non-performing assets ratio | 0.90% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 8.44% |
| Allowance for credit losses to loans | 1.31% |
| Reserve coverage of non-performing loans | 83.10% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.19% |
| Return on equity | 12.14% |
| Net interest margin | 3.71% |
| Efficiency ratio | 58.22% |
| Yield on earning assets | 4.78% |
| Cost of funds | 1.18% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 64.56% |
| Core deposits to total deposits | 96.86% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.83% |
| Securities to assets | 28.00% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 14.78% | 14.78% | 15.98% | 9.45% | 0.73% |
| Q4 2023 | 14.82% | 14.82% | 16.07% | 9.51% | 0.56% |
| Q1 2024 | 14.25% | 14.25% | 15.50% | 9.74% | 0.71% |
| Q2 2024 | 14.40% | 14.40% | 15.65% | 9.79% | 0.73% |
| Q3 2024 | 14.41% | 14.41% | 15.66% | 9.88% | 0.89% |
| Q4 2024 | 15.11% | 15.11% | 16.35% | 9.60% | 1.14% |
| Q1 2025 | 14.84% | 14.84% | 16.09% | 9.58% | 0.95% |
| Q2 2025 | 15.21% | 15.21% | 16.46% | 9.77% | 1.20% |
| Q3 2025 | 15.97% | 15.97% | 17.22% | 10.15% | 1.36% |
| Q4 2025 | 16.06% | 16.06% | 17.30% | 10.21% | 1.34% |
| Q1 2026 | 16.39% | 16.39% | 17.60% | 10.52% | 1.31% |
| Q2 2026 | 16.47% | 16.47% | 17.70% | 10.46% | 1.19% |
United Bank & Trust Co. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock United Bank & Trust Co., 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 Co. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57391) · FFIEC NIC profile (RSSD 3103591)