Union Bank & Trust Company
Monticello, AR · Cert 1753 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · First Union Financial Corp.
State charter, Fed member · FED · 5 branches
Q2 2026
$355.8MAssets
$280.3MLoans
$320.8MDeposits
$30.9MEquity
Executive Summary
- Strongest standing: return on equity outperforms 75% of banks under $1B in assets operating in a single state (rank 185 of 746).
- Widest gap: total risk-based capital ratio trails 90% of banks under $1B in assets operating in a single state (rank 673 of 746).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.19%
Rank 305 of 746
Net Interest Margin
3.84%
Rank 313 of 746
Efficiency Ratio
57.49%
Rank 228 of 746
Equity / Assets
8.68%
Rank 585 of 746
Non-interest income vs. expense
Unfavorable gap of $6.8M · efficiency ratio beats 70% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.19% | 0.72% | 1.06% | 1.45% | Beats 59% | 305 / 746 | |
| Return on Equity | 13.67% | 6.74% | 10.51% | 13.63% | Beats 75% | 185 / 746 | |
| Net Interest Margin | 3.84% | 3.17% | 3.68% | 4.16% | Beats 58% | 313 / 746 | |
| Efficiency Ratio | 57.49% | 55.74% | 64.58% | 75.47% | Beats 70% | 228 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.11% | 0.09% | 0.42% | 1.07% | Beats 24% | 565 / 743 | |
| Net Charge-Offs / Loans | 0.05% | 0.00% | 0.01% | 0.05% | Beats 24% | 565 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 10.19% | 11.55% | 13.75% | 17.60% | Beats 11% | 667 / 746 | |
| Total Risk-Based Capital Ratio | 10.19% | 11.71% | 14.33% | 18.43% | Beats 10% | 673 / 746 | |
| Equity / Assets | 8.68% | 8.90% | 10.51% | 13.06% | Beats 22% | 585 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 87.36% | 61.31% | 78.27% | 90.78% | 69th pctl | 232 / 746 | |
| Loans / Assets | 78.78% | 53.60% | 66.97% | 76.08% | 82nd pctl | 134 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |