United Bank
Total assets
$296.0M
▼ -0.3% YoY
Deposits
$260.3M
▲ +2.8% YoY
Loans
$243.7M
▲ +0.4% YoY
Offices
5
UNITED HOLDING CO INC
ROA (annualized)
1.20%
peers 1.24%
ROE (annualized)
11.53%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | United Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.3% | +4.4% | -4.6 pts |
| Deposit growth (YoY) | +2.8% | +4.0% | -1.1 pts |
| Loan growth (YoY) | +0.4% | +5.6% | -5.2 pts |
| ROA | 1.20% | 1.24% | -0.0 pts |
| ROE | 11.5% | 11.9% | -0.3 pts |
ROA ranks in the 47th percentile of its peer group · Q2 2026
Profile
- Established
- 1978
- Charter
- State
- Primary regulator
- FED
- Holding company
- UNITED HOLDING CO INC
- Specialization
- Commercial Lending Specialization
- Address
- 2600 S Thompson St, Springdale, AR, 72764
- County
- Washington
- Metro area
- Fayetteville-Springdale-Rogers, AR
- Offices
- 5
- FDIC cert #
- 32025
- RSSD ID
- 539377
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $296.0M | $260.3M | $243.7M | $32.0M | $1.8M | 1.20% | 4.47% | 0.09% |
| Q1 2026 | $319.5M | $284.0M | $245.1M | $31.5M | $875K | 1.13% | 4.38% | 0.09% |
| Q4 2025 | $297.8M | $263.3M | $252.4M | $31.2M | $2.7M | 0.91% | 4.26% | 0.11% |
| Q3 2025 | $306.9M | $262.2M | $253.3M | $30.7M | $1.9M | 0.86% | 4.18% | 0.13% |
| Q2 2025 | $296.7M | $253.1M | $242.7M | $30.2M | $1.2M | 0.79% | 4.09% | 0.15% |
| Q1 2025 | $291.5M | $245.4M | $239.5M | $29.8M | $499K | 0.69% | 3.90% | 0.22% |
| Q4 2024 | $289.4M | $241.1M | $240.1M | $29.3M | $1.4M | 0.50% | 3.67% | 0.24% |
| Q3 2024 | $286.0M | $238.8M | $241.8M | $28.9M | $883K | 0.42% | 3.50% | 0.33% |
Loan mix (Q2 2026): real estate $209.1M · commercial $17.7M · consumer $20.8M · securities $16.9M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | United Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.20% | 1.24% | 47th | |
Return on equity Annualized net income ÷ equity or net worth | 11.5% | 11.9% | 48th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.47% | 3.96% | 77th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.1% | 62.9% | 71th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | United Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | United Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | United Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | United Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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