FDIC Cert #1753 · Monticello, Arkansas · Est. 1887

Union Bank & Trust Company - FDIC Bank Health Profile

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

Compiled from official public sources by the publisher.
$343M
Total assets
A
Health grade · Excellent
1.51%
Return on assets
10.3%
Tier 1 capital

Data updated July 2026

The verdict

Union Bank & Trust Company earns a PlainBankData health grade of A (81/100), with well-capitalized at 10.31% Tier 1, profitable at 1.51% ROA, efficient (59% cost ratio).

#2,310
largest of 4,313 FDIC banks by assets
46th
percentile by asset size, nationally
10.31%
Tier 1 ratio - above the 10% well-capitalized line
75th
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 1753 · AR A · 81/100

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

  • GRADE-A A (81/100)
  • MID-PACK #1883/4307
  • PHOTO-FINISH Bank of The Rockies · MT
  • TIER1-WELL 10.3% Tier 1
  • TEXAS-CLEAN 9.1% Texas
  • ROA-STRONG 1.51% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Arkansas: Bank of The Rockies, MT (±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 & Trust Company

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

Morgan Stanley Bank,… · UT ·…100/100Bank of The Rockies · MT · n…81/100Clear Fork Bank, Nat… · TX ·…81/100The Colorado Bank an… · CO ·…81/100Union Bank & Trust C… · AR ·…81/100WesBanco Bank, Inc. · WV · n…81/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Union Bank & Trust Company · July 2026

What Union Bank & Trust Company's Call Report plate shows

Union Bank & Trust Company (FDIC Cert #1753) carries a PlainBankData health grade of A at 81/100, 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 #1,883 of 4,307. Tier 1 capital prints at 10.31%, clearing the 10% well-capitalized line. The Texas Ratio is 9.08%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.51%. Balance-sheet scale is $343M, 2,310th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Bank of The Rockies (MT), 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 & Trust Company

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

Union Bank & Trust Company'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 & Trust Company 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 & Trust Company's 81/100 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 avg77/10081/100
Union Bank & Trust Company's composite health score
Tier 1 Capital Ratio (10.31%) 28/40
Return on Assets (ROA) (1.51%) 25/25
Texas Ratio (9.08%) 16/20
Efficiency Ratio (59.43%) 12/15

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

Balance sheet at a glance

Total Assets

$343M

Total balance-sheet footings

Total Deposits

$309M

Customer-funded liabilities

Net Loans

$264M

Outstanding loan book

Net Income

$5M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 8.91% 10.31% 11.71%
Basel III capital ratios - Union Bank & Trust Company

Where Union Bank & Trust Company ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Union Bank & Trust Company's score of 81/100 falls in the highlighted band.

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

0-100 composite health score, FDIC Call Reports

81 Top 44% higher than 56% 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%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. Union Bank & Trust Company 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 & Trust Company'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 & Trust Company's $343M falls in the highlighted band.

Safety ratios for Union Bank & Trust Company

Tier 1 capital ratio
Well-capitalized 10%

10.31% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
10.31%
Texas Ratio
9.08%
Equity Capital
$30M

What these ratios mean →

Earnings posture at Union Bank & Trust Company

Return on Assets (ROA)
75th percentile nationally
1.51%
Return on Equity (ROE)
17.83%
Efficiency Ratio
59.43%

What these mean →

Income & expense at Union Bank & Trust Company

$19M
Interest Income
$2M
Non-Interest Income
$9M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Union Bank & Trust Company reports a Texas Ratio of 9.08% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

9.08% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Union Bank & Trust Company 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 ($343M here), outside Arkansas so the neighborhood is not state containment.

Citizens Bank of Ada $343M · OK The Waggoner National Bank of Vernon $343M · TX Community State Bank $343M · IA Farmers and Merchants State Bank of P… $342M · MN

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Union Bank & Trust Company (FDIC Cert #1753) - 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 & Trust Company 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%