FDIC Cert #14597 · Mena, Arkansas · Est. 1934

Union Bank - FDIC Bank Health Profile

A community-scale look at Union Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$678M
Total assets
A
Health grade · Excellent
2.26%
Return on assets
18.0%
Tier 1 capital

Data updated July 2026

The verdict

Union Bank earns a PlainBankData health grade of A (97/100), with well-capitalized at 18.02% Tier 1, profitable at 2.26% ROA, efficient (53% cost ratio).

#1,409
largest of 4,313 FDIC banks by assets
67th
percentile by asset size, nationally
18.02%
Tier 1 ratio - above the 10% well-capitalized line
94th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 14597 · AR A · 97/100

GRADE-A · TOP-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-A A (97/100)
  • TOP-DECILE #181/4307
  • PHOTO-FINISH The Citizens Nationa… · GA
  • TIER1-WELL 18.0% Tier 1
  • TEXAS-CLEAN 1.8% Texas
  • ROA-STRONG 2.26% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Arkansas: The Citizens National Bank of Quitman, GA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Union Bank

Lowest and highest poles plus nearest scored peers outside Arkansas, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100First Bank, Upper Mi… · MI ·…97/100Security Savings Bank · IA ·…97/100The Citizens Nationa… · GA ·…97/100The Port Austin Stat… · MI ·…97/100Union Bank · AR · this bank97/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Union Bank · July 2026

What Union Bank's Call Report plate shows

Union Bank (FDIC Cert #14597) carries a PlainBankData health grade of A at 97/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #181 of 4,307. Tier 1 capital prints at 18.02%, clearing the 10% well-capitalized line. The Texas Ratio is 1.80%, inside the sub-50% band analysts treat as healthy. Return on assets is 2.26%. Balance-sheet scale is $678M, 1,409th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is The Citizens National Bank of Quitman (GA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Union Bank

4 FAILURE resolutions in Arkansas since 2000 (3 since 2008)

Union Bank's home state sits in the middle band of post-2000 FAILURE counts (4; 3 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Union Bank remains an active FDIC-insured reporter.

  • ALLIED BANK MULBERRY, AR 2016 → TODAY'S BANK
  • FIRST SOUTHERN BANK BATESVILLE, AR 2010 → SOUTHERN BANK
  • ANB FINANCIAL NATIONAL ASSOCIATION BENTONVILLE, AR 2008 → PULASKI BANK AND TRUST CO

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Arkansas banks.

How Union Bank's 97/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10097/100
Union Bank's composite health score
Tier 1 Capital Ratio (18.02%) 40/40
Return on Assets (ROA) (2.26%) 25/25
Texas Ratio (1.80%) 20/20
Efficiency Ratio (52.66%) 12/15

97 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$678M

Total balance-sheet footings

Total Deposits

$598M

Customer-funded liabilities

Net Loans

$459M

Outstanding loan book

Net Income

$15M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% 21% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 16.62% 18.02% 19.42%
Basel III capital ratios - Union Bank

Where Union Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Union Bank's score of 97/100 falls in the highlighted band.

Union Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

97 Top 4% higher than 96% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. Union Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Union Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Union Bank's $678M falls in the highlighted band.

Safety ratios for Union Bank

Tier 1 capital ratio
Well-capitalized 10%

18.02% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
18.02%
Texas Ratio
1.80%
Equity Capital
$74M

What these ratios mean →

Earnings posture at Union Bank

Return on Assets (ROA)
94th percentile nationally
2.26%
Return on Equity (ROE)
20.95%
Efficiency Ratio
52.66%

What these mean →

Income & expense at Union Bank

$39M
Interest Income
$5M
Non-Interest Income
$18M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Union Bank reports a Texas Ratio of 1.80% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

1.80% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Union Bank on FDIC BankFind →

Top banks in Arkansas by total assets

Largest banks headquartered in Arkansas
  1. 1
    Bank OZK $40.8B

    Little Rock, AR · Grade A

  2. 2
    Arvest Bank $27.8B

    Fayetteville, AR · Grade C

  3. 3
    Simmons Bank $24.5B

    Pine Bluff, AR · Grade C

  4. 4
    Centennial Bank $22.7B

    Conway, AR · Grade A

  5. 5
    First Security Bank $8.4B

    Searcy, AR · Grade A

Top 5 banks in Arkansas ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($678M here), outside Arkansas so the neighborhood is not state containment.

First Bank $677M · TX Quaint Oak Bank $677M · PA First Midwest Bank of Dexter $679M · MO First & Farmers National Bank, Inc. $676M · KY

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Union Bank (FDIC Cert #14597) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Union Bank Call Report profile · FDIC Failed Bank List · Arkansas FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Arkansas

All Arkansas banks →
BankAssetsGradeROA
Bank OZKLittle Rock $40.8B A 1.78%
Arvest BankFayetteville $27.8B C 0.49%
Simmons BankPine Bluff $24.5B C -1.40%
Centennial BankConway $22.7B A 2.14%
First Security BankSearcy $8.4B A 1.81%
ENCORE BANKLittle Rock $3.6B C 0.19%
First Community BankBatesville $3.4B B 1.09%
Farmers Bank & Trust CompanyMagnolia $3.1B B 1.36%