United Bank & Trust
Total assets
$892.9M
▲ +1.6% YoY
Deposits
$714.1M
▲ +3.0% YoY
Loans
$663.3M
▲ +3.1% YoY
Offices
16
UBT BANCSHARES INC
ROA (annualized)
1.53%
peers 1.28%
ROE (annualized)
13.22%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | United Bank & Trust | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.6% | +4.9% | -3.3 pts |
| Deposit growth (YoY) | +3.0% | +4.3% | -1.3 pts |
| Loan growth (YoY) | +3.1% | +5.3% | -2.2 pts |
| ROA | 1.53% | 1.28% | +0.2 pts |
| ROE | 13.2% | 12.4% | +0.8 pts |
ROA ranks in the 65th percentile of its peer group · Q2 2026
Profile
- Established
- 1890
- Charter
- State
- Primary regulator
- FED
- Holding company
- UBT BANCSHARES INC
- Specialization
- Agricultural Specialization
- Address
- 823 Broadway, Marysville, KS, 66508
- County
- Marshall
- Offices
- 16
- FDIC cert #
- 17477
- RSSD ID
- 990352
- 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 | $892.9M | $714.1M | $663.3M | $106.5M | $6.9M | 1.53% | 3.97% | 0.10% |
| Q1 2026 | $905.4M | $733.0M | $658.3M | $104.1M | $3.3M | 1.47% | 3.90% | 0.10% |
| Q4 2025 | $905.6M | $713.1M | $669.4M | $102.3M | $11.0M | 1.25% | 3.67% | 0.10% |
| Q3 2025 | $879.7M | $677.6M | $646.8M | $99.7M | $8.0M | 1.22% | 3.64% | 0.11% |
| Q2 2025 | $879.2M | $693.4M | $643.1M | $97.2M | $5.3M | 1.21% | 3.62% | 0.11% |
| Q1 2025 | $869.0M | $704.1M | $624.2M | $94.8M | $2.6M | 1.20% | 3.63% | 0.11% |
| Q4 2024 | $890.0M | $688.5M | $656.5M | $92.1M | $9.9M | 1.13% | 3.29% | 0.11% |
| Q3 2024 | $887.1M | $642.7M | $650.0M | $91.8M | $7.1M | 1.08% | 3.22% | 0.13% |
Loan mix (Q2 2026): real estate $438.6M · commercial $60.7M · consumer $10.1M · securities $158.1M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | United Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.53% | 1.28% | 65th | |
Return on equity Annualized net income ÷ equity or net worth | 13.2% | 12.4% | 55th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.97% | 3.89% | 54th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.4% | 61.2% | 18th | |
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 & Trust | 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 & Trust | 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 & Trust | 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 & Trust | 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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