BlastPoint's Banking Scorecard

United Bank and Trust Company

$100M-$1B Specialty: Agricultural IA FDIC cert 14247

Hampton, IA

4 branches across IA

2664 banks in the $100M-$1B peer group nationally 166 in IA

United Bank and Trust Company has 4 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Credit Quality Leader: Top 31.9% in tier
+ Nonperforming Asset Ratio 0.64% below tier average
+ ROA 0.33% above tier average
+ Efficiency Ratio 15.65% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.64% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Total Assets ?	$227.6M +6.9% YoY +0.2% QoQ	-$158.4M	$386.1M +0.5% YoY	$560.1M +4.8% YoY	$6.2B +9.1% YoY	33%
Total Loans ?	$122.0M +8.4% YoY +3.5% QoQ	-$133.7M	$255.7M +1.1% YoY	$379.9M +5.0% YoY	$3.2B +10.8% YoY	26%
Total Deposits ?	$200.0M +6.6% YoY +0.2% QoQ	-$128.0M	$328.0M +0.1% YoY	$469.6M +4.4% YoY	$4.8B +8.2% YoY	34%
Return on Assets ?	1.60% +21.8% YoY -5.4% QoQ	+0.33%	1.27% +12.9% YoY	1.31% +22.6% YoY	1.23% +13.4% YoY	72%
Net Interest Margin ?	3.29% +12.9% YoY +4.8% QoQ	-0.64%	3.93% +6.0% YoY	3.52% +10.3% YoY	3.89% +5.7% YoY	21%
Efficiency Ratio ?	49.63% -7.2% YoY +13.1% QoQ	-15.65%	65.29% -4.5% YoY	58.40% -7.6% YoY	66.95% -4.1% YoY	85%
Delinquency Rate ?	0.00% -100.0% QoQ	-0.89%	0.89% +18.8% YoY	0.92% +14.5% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	61.02% +1.7% YoY +3.3% QoQ	-15.62%	76.64% +0.8% YoY	77.40% +1.1% YoY	76.70% +0.9% YoY	80%
Non-Interest-Bearing Deposit Share ?	17.65% -0.7% YoY +8.1% QoQ	-4.37%	22.02% -1.0% YoY	17.87% +0.7% YoY	22.01% -1.2% YoY	35%
Nonperforming Asset Ratio ?	0.00% -100.0% QoQ	-0.64%	0.64% +19.7% YoY	0.58% +11.7% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	14.73% +0.9% YoY +2.4% QoQ	-1.10%	15.83% +1.5% YoY	14.34% +1.8% YoY	17.06% +0.8% YoY	64%
Non-Interest Income / Assets ?	0.04% -5.5% YoY -72.2% QoQ	-0.24%	0.28% +9.3% YoY	0.12% +10.7% YoY	0.32% +4.1% YoY	15%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth

#213 of 664 • Top 31.9% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank declining

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (4 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

408

Efficiency Ratio

profitability

Value: 49.63%

Peer Median: 65.29%

#408 of 2664 Top 15.3% in $100M-$1B

534

Loan-to-Deposit Ratio

liquidity

Value: 61.02%

Peer Median: 76.64%

#534 of 2664 Top 20.0% in $100M-$1B

Top Weaknesses (2 metrics)

2264

Non-Interest Income / Assets

revenue_mix

Value: 0.04%

Peer Median: 0.28%

#2264 of 2664 Bottom 15.1% in $100M-$1B

2105

Net Interest Margin

profitability

Value: 3.29%

Peer Median: 3.93%

#2105 of 2664 Bottom 21.0% in $100M-$1B