United Bank & Trust
Marysville, KS · Cert 17477 · Peer group: banks under $1B in assets in KS (n=98) · Ubt Bancshares Inc.
State charter, Fed member · FED · 16 branches
Q2 2026
$892.9MAssets
$672.2MLoans
$714.1MDeposits
$106.5MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 83% of banks under $1B in assets in KS (rank 18 of 98).
- Widest gap: total risk-based capital ratio trails 82% of banks under $1B in assets in KS (rank 80 of 98).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.54%
Rank 24 of 98
Net Interest Margin
3.66%
Rank 43 of 98
Efficiency Ratio
49.87%
Rank 19 of 98
Equity / Assets
11.92%
Rank 39 of 98
Non-interest income vs. expense
Unfavorable gap of $15.0M · efficiency ratio beats 82% of banks under $1B in assets in KS | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.54% | 1.03% | 1.24% | 1.54% | Beats 76% | 24 / 98 | | |
| Return on Equity | 12.94% | 8.85% | 11.58% | 14.73% | Beats 65% | 34 / 98 | | |
| Net Interest Margin | 3.66% | 3.24% | 3.62% | 3.91% | Beats 56% | 43 / 98 | | |
| Efficiency Ratio | 49.87% | 51.87% | 58.88% | 64.74% | Beats 82% | 19 / 98 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.01% | 0.33% | 1.05% | Beats 83% | 18 / 98 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.03% | Beats 63% | 38 / 98 | | |
| Capital |
| Tier 1 Capital Ratio | 11.51% | 11.81% | 13.71% | 17.33% | Beats 18% | 80 / 98 | | |
| Total Risk-Based Capital Ratio | 11.51% | 11.81% | 14.13% | 17.45% | Beats 18% | 80 / 98 | | |
| Equity / Assets | 11.92% | 8.60% | 11.34% | 13.10% | Beats 60% | 39 / 98 | | |
| Liquidity & Funding |
| Loans / Deposits | 94.12% | 57.09% | 69.84% | 82.47% | 95th pctl | 5 / 98 | | |
| Loans / Assets | 75.28% | 49.34% | 58.31% | 68.94% | 89th pctl | 11 / 98 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |