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United Bank & Trust

$100M-$1B Specialty: Agricultural KS FDIC cert 17477

Marysville, KS

16 branches across KS

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 117 in KS.
  • Deposits +3.0% year over year ($714.1M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 1.53%.
  • Efficiency ratio 49.38% vs a 64.48% peer average.
  • Loan-to-deposit ratio 92.89% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 117 in KS
View $100M-$1B leaderboard (KS) →

United Bank & Trust has 3 strengths but faces 3 concerns

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 23.2% in tier
  • + ROA 0.21% above tier average
  • + Efficiency Ratio 15.10% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 1.1% in tier
  • - Credit Risk Growth: Bottom 3.6% in tier
  • - Liquidity Strain: Bottom 17.8% in tier
Get updates when United Bank & Trust releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Total Assets ? $892.9M
+1.6% YoY -1.4% QoQ
+$506.3M $386.6M
+1.2% YoY
$513.9M
+7.1% YoY
$6.3B
+7.7% YoY
Top 4.1% in tier
Total Loans ? $663.3M
+3.1% YoY +0.8% QoQ
+$405.0M $258.3M
+1.7% YoY
$343.7M
+7.8% YoY
$3.2B
+9.4% YoY
Top 3.5% in tier
Total Deposits ? $714.1M
+3.0% YoY -2.6% QoQ
+$387.4M $326.7M
+0.7% YoY
$426.3M
+7.4% YoY
$4.9B
+7.3% YoY
Top 5.9% in tier
Return on Assets ? 1.53%
+26.0% YoY +3.7% QoQ
+0.21% 1.32%
+10.8% YoY
1.56%
+14.6% YoY
1.30%
+12.1% YoY
67%
Net Interest Margin ? 3.97%
+9.6% YoY +1.7% QoQ
-0.02% 3.99%
+5.0% YoY
3.99%
+4.5% YoY
3.95%
+4.9% YoY
52%
Efficiency Ratio ? 49.38%
-9.6% YoY -1.2% QoQ
-15.10% 64.48%
-3.2% YoY
60.13%
-4.7% YoY
70.05%
+2.5% YoY
84%
Delinquency Rate ? 0.00%
-0.8% QoQ
-0.91% 0.92%
+15.7% YoY
0.82%
+9.9% YoY
0.98%
+16.3% YoY
Top 12.8% in tier
Loan-to-Deposit Ratio ? 92.89%
+0.1% YoY +3.4% QoQ
+14.93% 77.95%
+1.0% YoY
72.94%
+0.4% YoY
79.03%
+2.3% YoY
21%
Non-Interest-Bearing Deposit Share ? 18.87%
+6.3% YoY -1.4% QoQ
-3.16% 22.03%
-0.6% YoY
22.01%
-1.4% YoY
21.98%
-0.6% YoY
40%
Nonperforming Asset Ratio ? 0.10%
-7.1% YoY +1.4% QoQ
-0.56% 0.67%
+16.4% YoY
0.53%
+8.8% YoY
0.69%
+15.8% YoY
71%
Tier 1 Capital Ratio ? 11.51%
+3.8% YoY +2.5% QoQ
-4.40% 15.91%
+1.4% YoY
17.75%
-1.2% YoY
17.09%
+0.8% YoY
29%
Non-Interest Income / Assets ? 0.16%
+7.5% YoY +106.0% QoQ
-0.41% 0.57%
+7.6% YoY
0.59%
-1.1% YoY
0.66%
+5.2% YoY
37%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Noninterest-Bearing 18.9%
+1.1pp YoY
-0.3pp QoQ
 -3.3pp 22.1% 22.3% 22.2% 40%
Brokered Deposits n/a n/a 7.9% 8.7% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
C&I 9.1%
+0.3pp YoY
-1.1pp QoQ
 -2.4pp 11.6% 12.6% 12.5% 47%
CRE 17.5%
-0.5pp YoY
+0.3pp QoQ
 -22.1pp 39.5% 28.8% 41.4% 14%
1-4 Family 8.8%
-0.1pp YoY
-0.1pp QoQ
 -23.8pp 32.6% 26.7% 31.3% 9%
Consumer 1.5%
-0.2pp YoY
-0.2pp QoQ
 -2.6pp 4.1% 4.6% 5.0% 40%

Capital

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 23.3% 19.7% n/a
Leverage Ratio 11.5%
+0.4pp YoY
+0.3pp QoQ
 -0.7pp 12.2% 12.6% 12.6% 58%
Total Capital Ratio n/a n/a 19.9% 24.4% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Full-Time Employees 108
-1 (-0.9%) YoY
-3 (-2.7%) QoQ
 +49 58 70 482 89%
Assets per Employee ($) $8.3M
+2.5% YoY
+1.4% QoQ
 +$749K $7.5M $7.1M $8.8M 71%
Branch Count 16
0 YoY
0 QoQ
 +11 4 6 18 99%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 0.0%
0.0pp QoQ
 -0.9pp 0.9% 0.8% 1.0% 1%
Allowance Coverage 384.00x
+1.7% QoQ
 +359.85x 24.15x 22.44x 20.23x 99%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 26%

Profitability

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
ROE 13.2%
+2.0pp YoY
+0.3pp QoQ
 +1.0pp 12.2% 14.3% 11.6% 57%
Cost of Funds (YTD) 1.6%
-0.2pp YoY
0.0pp QoQ
 -0.1pp 1.7% 1.6% 1.7% 41%
Net Income ($, YTD) $6.9M
+29.1% YoY
— QoQ
 +$4.3M $2.6M $3.7M $40.4M 95%

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
#154 of 659 • Top 23.2% 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: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (3)

Credit Quality Pressure

risk
#15 of 1256 • Bottom 1.1% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.00%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank declining

Credit Risk Growth

risk
#35 of 936 • Bottom 3.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Liquidity Strain

risk
#124 of 691 • Bottom 17.8% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 92.89%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (5 metrics)

94
Total Loans
size
Value: $663.35M
Peer Median: $258.35M
#94 of 2643 Top 3.5% in $100M-$1B
110
Total Assets
size
Value: $892.91M
Peer Median: $386.57M
#110 of 2643 Top 4.1% in $100M-$1B
158
Total Deposits
size
Value: $714.15M
Peer Median: $326.73M
#158 of 2643 Top 5.9% in $100M-$1B
337
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#337 of 2633 Top 12.8% in $100M-$1B
415
Efficiency Ratio
profitability
Value: 49.38%
Peer Median: 64.48%
#415 of 2643 Top 15.7% in $100M-$1B

Top Weaknesses (1 metrics)

2102
Loan-to-Deposit Ratio
liquidity
Value: 92.89%
Peer Median: 77.95%
#2102 of 2643 Bottom 20.5% in $100M-$1B
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