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Bank call report · Richfield, MN

United Bankers' Bank Call Report

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United Bankers' Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 041. Below are its 356 reported line items, schedule by schedule (997 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.

United Bankers' Bank call report filing details
Call report formFFIEC 041
Latest quarter filedQ2 2026 (June 30, 2026)
Federal Reserve RSSD ID930358
FDIC certificate number22180
Total assets$1.05B

Official Q2 2026 call report PDF (FFIEC) →

United Bankers' Bank 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 (28 items)

About Schedule RC · United Bankers' Bank balance sheet trends

United Bankers' Bank Schedule RC, Q2 2026
Line item Code Q2 2026
Total Assets RCON2170 $1.05B
Total Liabilities, Limited-life Preferred Stock, and Equity Capital RCON3300 $1.05B
Total Liabilities and Minority Interest RCON2948 $903.8M
Loans and Leases, Net of Unearned Income - Totals RCONB528 $780.0M
Loans and Leases, Net of Unearned Income and Allowance RCONB529 $766.5M
Total Deposits RCON2200 $635.6M
Deposits: Noninterest-bearing RCON6631 $331.3M
Total Interest-bearing Deposits in Foreign and Domestic Offices RCON6636 $304.3M
Federal Funds Purchased in Domestic Offices RCONB993 $212.2M
Total Equity Capital RCON3210 $147.0M
Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries RCONG105 $147.0M
Interest-bearing Balances RCON0071 $104.6M
Surplus RCON3839 $77.8M
Available-for-sale debt securities (from Schedule RC-B, column D) RCON1773 $75.2M
Undivided Profits and Capital Reserves RCON3632 $69.8M
Federal Funds Sold RCONB987 $43.4M
Other Borrowed Money RCON3190 $40.0M
Other Assets RCON2160 $35.7M
Other Liabilities, Total RCON2930 $16.1M
Allowance for Loan and Lease Losses RCON3123 $13.5M
Held to maturity securities (ASU 2016-13 adoption) RCONJJ34 $12.5M
Held-to-maturity Securities, Total RCON1754 $12.5M
Premises and Fixed Assets (Including Capitalized Leases) RCON2145 $6.2M
Accumulated Other Comprehensive Income RCONB530 -$3.6M
Common Stock RCON3230 $3.0M
Other Real Estate Owned RCON2150 $2.6M
Equity securities with readily determinable fair values not held for trading RCONJA22 $2.2M
Noninterest-bearing Balances and Currency and Coin RCON0081 $1.9M
Schedule RI: Income Statement (42 items)

About Schedule RI · United Bankers' Bank income statement trends

United Bankers' Bank Schedule RI, Q2 2026
Line item Code Q2 2026
Total Interest Income RIAD4107 $27.2M
Interest and Fee Income on Loans, Total RIAD4010 $23.5M
Total Noninterest Expense RIAD4093 $19.4M
Net Interest Income RIAD4074 $16.8M
Interest and Fee Income on All Other Loans Secured by Real Estate RIAD4436 $13.6M
Salaries and Employee Benefits RIAD4135 $11.0M
Total Interest Expense RIAD4073 $10.4M
Total Noninterest Income RIAD4079 $10.4M
Income (Loss) Before Applicable Income Taxes and Discontinued Operations RIAD4301 $9.5M
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 $7.6M
Income (Loss) Before Discontinued Operations RIAD4300 $7.2M
Net Income (Loss) RIAD4340 $7.2M
Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests RIADG104 $7.2M
Other Noninterest Expense RIAD4092 $6.9M
Interest and Fee Income on All Other Loans in Domestic Offices RIAD4058 $6.5M
Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less RIADHK03 $5.0M
Other Noninterest Income RIADB497 $4.5M
Expense of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase RIAD4180 $3.7M
Service Charges on Deposit Accounts in Domestic Offices RIAD4080 $2.5M
Fees and Commissions from Securities Brokerage RIADC886 $2.3M
Applicable Income Taxes RIAD4302 $2.2M
Interest and Fee Income on Commercial and Industrial Loans RIAD4012 $2.2M
Interest Income on Balances Due from Depository Institutions RIAD4115 $2.0M
Unrealized holding gains (losses) on equity securities not held for trading RIADHT70 $1.9M
Expenses of Premises and Fixed Assets RIAD4217 $1.6M
Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties RIAD4435 $1.2M
Savings Deposits (Including Mmdas) RIAD0093 $829K
Investment Banking, Advisory, and Underwriting Fees and Commissions RIADC888 $752K
Interest on Trading Liabilities and Other Borrowed Money RIAD4185 $749K
Interest Income on Federal Funds Sold and Securities Purchased Under Agreements to Resell RIAD4020 $642K
Interest and Dividend Income on Securities: Mortgage-backed Securities RIADB489 $392K
Income from Other Insurance and Reinsurance Activities RIADC387 $291K
Interest on Other Securities RIAD4060 $279K
Provisions for Credit Losses on Financial Assets RIADJJ33 $235K
Other Interest Income RIAD4518 $204K
Provision for Loan and Lease Losses RIAD4230 $200K
Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) RIADB488 $128K
Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) RIAD4508 $86K
Interest and Fee Income on Loans to Finance Agricultural Production and Other Loans to Farmers in Domestic Offices RIAD4024 $52K
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 $45K
Net Gains (Losses) on Sales of Other Assets (Excluding Securities) RIADB496 $7K
Number of Full Time Equivalent Employees on Payroll at End of Current Period RIAD4150 133
Schedule RC-A: Cash and Balances Due from Depository Institutions (4 items)

About Schedule RC-A

United Bankers' Bank Schedule RC-A, Q2 2026
Line item Code Q2 2026
Cash and Balances Due from Depository Institutions RCON0010 $106.5M
Balances Due from Federal Reserve Banks RCON0090 $103.4M
Balances Due from Depository Institutions in the U.S. RCON0082 $2.8M
Cash Items in Process of Collection and Unposted Debits RCON0020 $234K
Schedule RC-B: Securities (22 items)

About Schedule RC-B · United Bankers' Bank securities trends

United Bankers' Bank Schedule RC-B, Q2 2026
Line item Code Q2 2026
Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Amortized Cost RCONG306 $40.9M
Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Fair Value RCONG307 $37.3M
Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost RCONG314 $7.0M
Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value RCONG315 $5.9M
Total Amortized Cost of Available-for-sale Securities RCON1772 $80.2M
Pledged Securities RCON0416 $65.0M
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 Five Years Through 15 Years RCONA559 $34.2M
Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less RCONA248 $32.8M
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 Three Months Through 12 Months RCONA550 $27.8M
US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost RCONHT52 $22.3M
US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value RCONHT53 $22.0M
Amortized Cost of Other Held-to-maturity Domestic Debt Securities RCON1737 $12.5M
Fair Value of Other Held-to-maturity Domestic Debt Securities RCON1738 $12.5M
Total Fair Value of Held-to-maturity Securities RCON1771 $12.5M
Amortized Cost of Available-for-sale U.S. Treasury Securities RCON1286 $9.9M
Fair Value of Available-for-sale U.S. Treasury Securities RCON1287 $9.9M
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 $8.1M
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 Three Months of Less RCONA549 $6.7M
OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS RCONA562 $3.3M
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 $3.1M
OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS RCONA561 $2.6M
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 $2.0M
Schedule RC-C, Part I: Loans and Leases (30 items)

About Schedule RC-C, Part I · United Bankers' Bank loans and leases trends

United Bankers' Bank Schedule RC-C, Part I, Q2 2026
Line item Code Q2 2026
Total Loans and Leases, Net of Unearned Income RCON2122 $780.0M
Loans Secured by Other Nonfarm Nonresidential Properties. RCONF161 $213.5M
Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less RCONA247 $212.5M
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 $204.1M
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 Three Years Through Five Years RCONA573 $194.5M
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 $188.5M
Loans to Nondepository Financial Institutions and Other Loans: Loans to Nondepository Financial Institutions RCONJ454 $168.5M
Pledged Loans and Leases RCONG378 $102.7M
Loans Secured by Owner Occupied Nonfarm Nonresidential Properties RCONF160 $92.5M
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 $87.4M
Commercial and Industrial Loans RCON1766 $74.1M
Commercial and Industrial Loans to U.S. Addressees RCON1763 $74.1M
Real Estate Loans Secured by Multi-family (5 or More) Residential Properties RCON1460 $71.3M
Loans Secured by Other Construction Loans and All Land Development and Other Land Loans RCONF159 $62.3M
All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens RCON5367 $43.7M
Loans to Nondepository Financial Institutions and Other Loans: Other Loans: All Other Loans (Exclude Consumer Loans) RCONJ451 $35.1M
Other Loans RCONJ464 $35.1M
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 $28.4M
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 Five Years Through 15 Years RCONA574 $28.2M
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 $16.8M
Loans Secured by 1-4 Family Residential Construction RCONF158 $14.2M
Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties RCON5370 $11.6M
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 $11.6M
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 $11.4M
Loans to Finance Commercial Real Estate, Construction, and Land Development Activities Included in Items 1766, 1563 for (Fr Y-9C), in Items 1766, 1563 for (FFIEC 031), in Items 1766, 1564 for (FFIEC 032 and 033), and in Items 1766, 2080 for (FFIEC 034) RCON2746 $11.1M
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 One Year Through Three Years RCONA566 $2.8M
Real Estate Loans Secured by Farmland RCON1420 $2.3M
Loans to Finance Agricultural Production and Other Loans to Farmers RCON1590 $1.4M
Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) RCONK207 $879K
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 $202K
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (18 items)

About Schedule RC-C, Part II

United Bankers' Bank Schedule RC-C, Part II, Q2 2026
Line item Code Q2 2026
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 $34.4M
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 $4.9M
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 $4.3M
Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less RCON5571 $4.2M
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 $981K
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 $607K
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 $396K
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 $113K
Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less RCON5565 $94K
Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less RCON5570 1,281
Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 RCON5568 65
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 61
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 26
Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 RCON5566 6
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 2
Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less RCON5564 2
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 2
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 1
Schedule RC-E: Deposit Liabilities (19 items)

About Schedule RC-E · United Bankers' Bank deposit liabilities trends

United Bankers' Bank Schedule RC-E, Q2 2026
Line item Code Q2 2026
Total Demand Deposits (See Note Below) RCON2210 $333.6M
Total Transaction Accounts RCON2215 $333.6M
Total Transaction Accounts - Deposits of Commercial Banks and Other Depository Institutions in the U.S. RCONB551 $329.3M
Total Nontransaction Accounts (Including Mmda's) RCON2385 $301.9M
Selected Components of Total Deposits, Brokered Deposits of 250000 or Less (Fully Insured Brokered Deposits) RCONHK05 $242.1M
Total Brokered Deposits RCON2365 $242.1M
Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations RCONB550 $242.1M
Total Time Deposits of Less Than $100,000 RCON6648 $242.1M
Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less RCONHK11 $126.8M
Selected Components of Total Deposits, Brokered Deposits of 250000 or Less with a Remaining Maturity of One Year or Less RCONHK06 $125.8M
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 $97.1M
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 $86.1M
Total Nontransaction Accounts of Commercial Banks and Other Depository Institutions in the U.S. RCONB552 $59.8M
Money Market Deposit Accounts (Mmda's) RCON6810 $56.6M
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 $40.7M
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 Years RCONHK10 $21.6M
Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation RCONB549 $4.3M
Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 RCONJ473 $3.3M
Estimated Amount of Deposits Obtained Through the Use of Deposit Listing Services That Are Not Brokered Deposits RCONK223 $3.3M
Schedule RC-F: Other Assets (6 items)

About Schedule RC-F

United Bankers' Bank Schedule RC-F, Q2 2026
Line item Code Q2 2026
Life Insurance Assets: General Account Life Insurance Assets RCONK201 $17.2M
Net Deferred Tax Assets RCON2148 $5.0M
Historical Cost of All Other Available-for-sale Equity Securities RCON1752 $5.0M
Other Assets RCON2168 $4.4M
Accrued Interest Receivable RCONB556 $4.0M
Prepaid Expenses RCON2166 $2.9M
Schedule RC-G: Other Liabilities (6 items)

About Schedule RC-G

United Bankers' Bank Schedule RC-G, Q2 2026
Line item Code Q2 2026
All Other Liabilities RCON2938 $11.7M
Operating lease liabilities RCONLB56 $5.7M
Other Expenses Accrued and Unpaid RCON3646 $4.0M
Deferred Compensation Liabilities RCONC011 $3.7M
Interest Accrued and Unpaid on Deposits (in Domestic Offices) RCON3645 $160K
Allowance for Credit Losses on Off-balance Sheet Credit Exposures RCONB557 $148K
Schedule RC-K: Quarterly Averages (17 items)

About Schedule RC-K · United Bankers' Bank quarterly averages trends

United Bankers' Bank Schedule RC-K, Q2 2026
Line item Code Q2 2026
Quarterly Average of Total Assets RCON3368 $1.04B
Quarterly Average of Total Loans RCON3360 $783.1M
Quarterly Average of All Other Loans Secured by Real Estate RCON3466 $463.9M
Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less RCONHK16 $250.6M
Quarterly Average of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase RCON3353 $188.6M
Quarterly Average of Interest-bearing Balances Due from Depository Institutions RCON3381 $103.2M
Quarterly Average of Commercial and Industrial Loans RCON3387 $70.2M
Nontransaction Accounts in Domestic Offices: Savings Deposits RCONB563 $61.0M
Mortgage-backed Securities RCONB559 $49.2M
Quarterly Average of Loans Secured by 1-4 Family Residential Properties RCON3465 $43.5M
Quarterly Average of Other Borrowed Money RCON3355 $40.0M
U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) RCONB558 $31.9M
Quarterly Average of Federal Funds Sold and Securities Purchased Under Agreements to Resell RCON3365 $25.5M
All Other Securities RCONB560 $15.0M
Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average RCON3485 $2.1M
Quarterly Average of Loans to Finance Agricultural Production and Other Loans to Farmers RCON3386 $1.4M
Loans to Individuals for Household, Family, and Other Personal Expenditures: Other RCONB562 $912K
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (10 items)

About Schedule RC-L · United Bankers' Bank derivatives and off-balance-sheet items trends

United Bankers' Bank Schedule RC-L, Q2 2026
Line item Code Q2 2026
Other unused commitments: Loans to nondepository financial institutions RCONPV11 $237.4M
Other Unused Commitments: Commercial and Industrial Loans RCONJ457 $56.9M
Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments RCONF165 $27.8M
Credit Card Lines: Other Unused Credit Card Lines RCONJ456 $25.2M
Unused Commitments - Credit Card Lines RCON3815 $25.2M
1-4 Family Residential Construction Loan Commitments RCONF164 $22.2M
Other Unused Commitments: All Other Unused Commitments RCONJ459 $8.4M
Commercial Real Estate, Construction, and Land Development: Commitments to Fund Loans Not Secured by Real Estate RCON6550 $2.2M
Amount of Financial Standby Letters of Credit Conveyed to Others RCON3820 $50K
Financial Standby Letters of Credit and Foreign Office Guarantees RCON3819 $50K
Schedule RC-M: Memoranda (5 items)

About Schedule RC-M · United Bankers' Bank memoranda trends

United Bankers' Bank Schedule RC-M, Q2 2026
Line item Code Q2 2026
FHLB Advances (Loans) Due in One Year or Less RCON2651 $40.0M
FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of One Year or Less RCONF055 $40.0M
Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests RCON6164 $19.6M
All Other Real Estate Owned: Nonfarm Nonresidential Properties in Domestic Offices RCON5512 $2.6M
Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations RCON6165 2
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (13 items)

About Schedule RC-N · United Bankers' Bank past due and nonaccrual loans, leases, and other assets trends

United Bankers' Bank Schedule RC-N, Q2 2026
Line item Code Q2 2026
Total Loans and Lease Finance Receivables: Nonaccrual RCON1403 $5.9M
Additions to Nonaccrual Assets RCONC410 $3.8M
Loans Secured by Other Nonfarm Nonresidential Properties, Nonaccrual RCONF183 $3.3M
Loans Secured by Real Estate (in Domestic Offices): Secured by Multifamily (5 or More) Residential Properties - Nonaccrual RCON3501 $1.6M
Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural RCONC229 $910K
Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing RCON1406 $645K
Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing RCON1606 $634K
Loan Modifications to Borrowers Experiencing Financial Difficulty -Loans Secured by Other Nonfarm Nonresidential Properties :Nonaccrual RCONK119 $472K
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 $472K
Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Nonaccrual RCONK218 $62K
Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing RCONK216 $11K
Commercial and Industrial Loans - Past Due 90 Days or More and Still Accruing RCON1607 $8K
Total Loans and Lease Financing Receivables: Past Due 90 Days or More and Still Accruing RCON1407 $8K
Schedule RC-O: Other Data for Deposit Insurance Assessments (11 items)

About Schedule RC-O · United Bankers' Bank other data for deposit insurance assessments trends

United Bankers' Bank Schedule RC-O, Q2 2026
Line item Code Q2 2026
Average Consolidated Total Assets for the Calendar Quarter RCONK652 $1.04B
Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions RCONF236 $635.7M
Banker's Bank Deduction Limit RCONK658 $585.9M
Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 RCONF051 $322.6M
Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less RCONF049 $313.1M
Estimated Amount of Uninsured Assessable Deposits in Domestic Offices of the Bank and in Insured Branches in Puerto Rico and U.S. Territories and Possessions, Including Related Interest Accrued and Unpaid RCON5597 $234.4M
Average Tangible Equity for the Calendar Quarter RCONK654 $148.9M
Banker's Bank Deductions RCONK657 $127.5M
Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less RCONF050 544
Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 RCONF052 353
Averaging Method Used RCONK653 1
Schedule RC-Q: Assets and Liabilities Measured at Fair Value on a Recurring Basis (6 items)

About Schedule RC-Q

United Bankers' Bank Schedule RC-Q, Q2 2026
Line item Code Q2 2026
Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes RCONJA36 $77.4M
Total Assets Measured at Fair Value on a Recurring Basis - Total Fair Value Reported on Schedule Rc RCONG502 $77.4M
Available-for-sale Securities - Level 2 Fair Value Measurements RCONG476 $75.2M
Total Assets Measured at Fair Value on a Recurring Basis - Level 2 Fair Value Measurements RCONG505 $75.2M
Available-for-sale Securities - Level 1 Fair Value Measurements RCONG475 $2.2M
Total Assets Measured at Fair Value on a Recurring Basis - Level 1 Fair Value Measurements RCONG504 $2.2M
Schedule RC-R: Regulatory Capital (2 items)

About Schedule RC-R · United Bankers' Bank regulatory capital trends

United Bankers' Bank Schedule RC-R, Q2 2026
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 $882.8M
Excess Allowance for Loan and Lease Losses RCONA222 $2.6M
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (21 items)

About Schedule RC-R, Part I · United Bankers' Bank regulatory capital components and ratios trends

United Bankers' Bank Schedule RC-R, Part I, Q2 2026
Line item Code Q2 2026
Average Total Assets (Net of Deductions) RCOAA224 $1.04B
Average total consolidated assets RCOAKW03 $1.04B
Risk-weighted Assets (Net of Allowances and Other Deductions) RCOAA223 $880.2M
Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines RCOA3792 $161.7M
Common Equity Tier 1 Capital RCOAP859 $150.7M
Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions RCOAP852 $150.7M
Tier 1 Capital Allowable Under the Risk-based Capital Guidelines RCOA8274 $150.7M
Common Equity Tier 1 Capital Before Adjustments and Deductions RCOAP840 $147.0M
Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares RCOAP742 $80.9M
Retained Earnings RCOAKW00 $69.8M
General Loan and Lease Valuation Allowances RCOA5310 $11.0M
Tier 2 (Supplementary) Capital RCOA5311 $11.0M
Tier 2 Capital Before Deductions RCOAP870 $11.0M
Accumulated Other Comprehensive Income RCOAB530 -$3.6M
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 -$3.6M
A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) RCOAP838 1
Total Risk-based Capital Ratio RCOA7205 0.1837
Common Equity Tier 1 Capital Ratio RCOAP793 0.1712
Tier 1 Risk-based Capital Ratio RCOA7206 0.1712
Tier 1 Leverage Capital Ratio RCOA7204 0.1446
Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer RCOAH311 0.1037
Schedule RC-R, Part II: Risk-Weighted Assets (58 items)

About Schedule RC-R, Part II · United Bankers' Bank risk-weighted assets trends

United Bankers' Bank Schedule RC-R, Part II, Q2 2026
Line item Code Q2 2026
Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold RCONS580 $882.8M
Total Risk-weighted Assets RCONG641 $880.2M
Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category RCONG637 $821.7M
Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category RCONG633 $821.7M
Total Balance Sheet Assets - 100 Pct Risk Weight Category RCOND990 $781.2M
Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category RCONS462 $729.8M
Total Loans and Leases, Net of Unearned Income, All Other Exposures RCONS457 $729.8M
Unconditionally Cancellable Commitments RCONS540 $271.0M
Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category RCONG630 $117.8M
Total Balance Sheet Assets - 0 Pct Risk Weight Category RCOND987 $117.8M
Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category RCONG631 $117.6M
Total Balance Sheet Assets - 20 Pct Risk Weight Category RCOND988 $117.6M
Total Cash and Balances Due from Depository Institutions RCOND957 $106.5M
Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category RCOND958 $104.3M
Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value RCONJA21 $77.4M
Available-for-sale Securities - 20 Pct Risk Weight Category RCOND968 $69.1M
Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount RCONG624 $62.7M
Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount RCONS525 $46.4M
Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures RCONS439 $45.1M
Total All Other Assets RCOND981 $44.5M
Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category RCONG632 $44.5M
Total Balance Sheet Assets - 50 Pct Risk Weight Category RCOND989 $44.3M
Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category RCONS442 $44.2M
Federal Funds Sold in Domestic Offices RCOND971 $43.4M
Federal Funds Sold in Domestic Offices - 20 Pct Risk Weight Category RCOND973 $43.4M
All Other Assets - 100 Pct Risk Weight Category RCOND985 $38.0M
Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category RCONG629 $31.3M
Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount RCONG625 $31.3M
Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category RCONG635 $23.5M
Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category RCONG636 $22.2M
Total Balance Sheet Assets - Adjustments to Total Reported in Column a RCONS500 -$18.4M
Held-to-maturity Securities - 100 Pct Risk Weight Category RCOND965 $12.5M
Total Held-to-maturity Securities RCOND961 $12.5M
Available-for-sale Securities - 0 Pct Risk Weight Category RCOND967 $11.0M
Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount RCONS526 $9.3M
Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% RCONS530 $9.1M
Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category RCONS572 $7.6M
Risk-weighted Assets by Risk-weighted Category - 300 Pct Risk Weight Category RCONS574 $6.7M
Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category RCONS455 $5.0M
Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category RCONS561 $5.0M
Total Balance Sheet Assets - 150 Pct Risk Weight Category RCONS503 $5.0M
Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual RCONS449 $5.0M
Available-for-sale Securities - Adjustment to Totals Reported in Column a RCONS402 -$5.0M
All Other Assets - 20 Pct Risk Weight Category RCOND983 $2.8M
All Other Assets - 0 Pct Risk Weight Category RCOND982 $2.5M
Available-for-sale Securities - 300 Pct Risk Weight Category RCONS405 $2.2M
Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 300 Pct Risk Weight Category RCONS563 $2.2M
Total Balance Sheet Assets - 300 Pct Risk Weight Category RCONS505 $2.2M
Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category RCOND959 $2.1M
All Other Assets, Separate Account Bank-owned Life Insurance - Application of Other Risk Weighting Approaches Exposure Amount RCONH296 $1.1M
All Other Assets, Separate Account Bank-owned Life Insurance - Application of Other Risk Weighting Approaches Risk-weighted Asset Amount RCONH297 $1.1M
Total Balance Sheet Assets - Other Risk Weighting Approaches Exposure Amount RCONH300 $1.1M
Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category RCONS443 $911K
Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 50% RCONS529 $153K
All Other Assets - 50 Pct Risk Weight Category RCOND984 $128K
Financial Standby Letters of Credit - 20 Pct Risk Weight Category RCOND994 $50K
Financial Standby Letters of Credit - Credit Equivalent Amount RCOND992 $50K
Financial Standby Letters of Credit - Face, Notional, or Other Amount RCOND991 $50K
Schedule RC-S: Servicing, Securitization, and Asset Sale Activities (2 items)

About Schedule RC-S

United Bankers' Bank Schedule RC-S, Q2 2026
Line item Code Q2 2026
Outstanding Principal Balance of Loans Other Than 1-4 Family Residential Mortgage Loans That Are Serviced for Others RCONA591 $183.7M
Outstanding Principal Balance of Assets Serviced for Others (Memorandum Item 2.C Is to Be Completed If the Balance Is More Than $10 Million): 1-4 Family Residential Mortgages Serviced with No Recourse or Other Servicer-provided Credit Enhancements RCONB805 $5.4M
Schedule RI-A: Changes in Bank Equity Capital (5 items)

About Schedule RI-A

United Bankers' Bank Schedule RI-A, Q2 2026
Line item Code Q2 2026
Total Equity Capital RIAD3210 $147.0M
Balance End of Previous Calendar Year as Restated RIADB508 $140.6M
Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) RIAD3217 $140.6M
Cash Dividends Declared on Common Stock RIAD4460 $986K
Other Comprehensive Income RIADB511 $187K
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (8 items)

About Schedule RI-B, Part I · United Bankers' Bank charge-offs and recoveries on loans and leases trends

United Bankers' Bank Schedule RI-B, Part I, Q2 2026
Line item Code Q2 2026
Charge-offs on Allowance for Loan and Lease Losses RIAD4635 $81K
Charge-offs on Loans Secured by Multifamily (5 or More) Residential Properties RIAD3588 $63K
Charge-offs on Commercial and Industrial Loans RIAD4638 $14K
Recoveries on Allowance for Loan and Lease Losses RIAD4605 $6K
Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) RIADK205 $4K
Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) RIADK206 $4K
Recoveries on Commercial and Industrial Loans RIAD4608 $1K
Recoveries on Loans Secured by Multifamily (5 or More) Residential Properties RIAD3589 $1K
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (4 items)

About Schedule RI-B, Part II · United Bankers' Bank changes in allowances for credit losses trends

United Bankers' Bank Schedule RI-B, Part II, Q2 2026
Line item Code Q2 2026
Allowance for Loan and Lease Losses RIAD3123 $13.5M
Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) RIADB522 $13.3M
Charge-offs on Allowance for Loan and Lease Losses RIADC079 $81K
Provisions for credit losses on off-balance-sheet exposures RIADMG93 $35K
Schedule RI-C: Disaggregated Data on the Allowance for Credit Losses (13 items)

About Schedule RI-C

United Bankers' Bank Schedule RI-C, Q2 2026
Line item Code Q2 2026
Loans and Leases, Held for Investment, Total, Amortized Cost RCONJJ11 $780.0M
Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Amortized Cost RCONJJ05 $379.7M
Loans and Leases, Held for Investment, Commerical loans, Amortized Cost RCONJJ07 $279.2M
Loans and Leases, Held for Investment, Real estate loans, Construction loans, Amortized Cost RCONJJ04 $76.5M
Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Amortized Cost RCONJJ06 $43.7M
Loans and Leases, Held for Investment, Total, Allowance Balance RCONJJ19 $13.5M
Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Allowance Balance RCONJJ13 $7.1M
Loans and Leases, Held for Investment, Commerical loans, Allowance Balance RCONJJ15 $4.3M
Loans and Leases, Held for Investment, Real estate loans, Construction loans, Allowance Balance RCONJJ12 $1.4M
Loans and Leases, Held for Investment, Other consumer loans, Amortized Cost RCONJJ09 $879K
Loans and Leases, Held for Investment, Unallocated, Allowance Balance RCONJJ18 $412K
Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Allowance Balance RCONJJ14 $246K
Loans and Leases, Held for Investment, Other consumer loans, Allowance Balance RCONJJ17 $26K
Schedule RI-E: Explanations (6 items)

About Schedule RI-E

United Bankers' Bank Schedule RI-E, Q2 2026
Line item Code Q2 2026
Data Processing Expenses RIADC017 $3.6M
Second Itemized Amount That Exceeds 10% of All Other Noninterest Income (5408) RIAD4462 $683K
Third Itemized Amount That Exceeds 10% of All Other Noninterest Income (5408) RIAD4463 $620K
Income and Fees from Wire Transfers RIADT047 $609K
First Itemized Amount That Exceeds 10% of All Other Noninterest Income (5408) RIAD4461 $408K
Bank Card and Credit Card Interchange Fees RIADF555 $340K

United Bankers' Bank call reports on file

Each link opens the bank's filed report on the FFIEC Central Data Repository.

Where can I find the United Bankers' Bank call report?

The United Bankers' Bank 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 Bankers' Bank file?

United Bankers' Bank 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 Bankers' Bank call report number?

A call report has no number of its own. It is filed and looked up by the bank's identifiers: United Bankers' Bank has Federal Reserve RSSD ID 930358 and FDIC certificate number 22180. Either one finds its filings on the FFIEC Central Data Repository.

How often does United Bankers' Bank 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 Bankers' Bank 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.