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Union Bank & Trust Company

$100M-$1B Specialty: Commercial AR FDIC cert 1753

Monticello, AR

5 branches across AR

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 49 in AR.
  • Deposits +9.3% year over year ($320.8M on the books).
  • Delinquency rate 1.13%.
  • Return on assets 1.57%.
  • Efficiency ratio 57.49% vs a 64.48% peer average.
  • Loan-to-deposit ratio 85.82% 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 49 in AR
View $100M-$1B leaderboard (AR) →

Union Bank & Trust Company has 3 strengths but faces 2 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

  • + ROA 0.25% above tier average
  • + Net Interest Margin 0.21% above tier average
  • + Efficiency Ratio 6.99% below tier average

Key Concerns

Areas that may need attention

  • - NIB Deposit Bleed: Bottom 31.5% in tier
  • - Delinquency Rate 0.21% above tier average
Get updates when Union Bank & Trust Company releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
Total Assets ? $355.8M
+9.7% YoY +8.0% QoQ
-$30.8M $386.6M
+1.2% YoY
$2.4B
+2.9% YoY
$6.3B
+7.7% YoY
55%
Total Loans ? $275.3M
+9.2% YoY +5.3% QoQ
+$17.0M $258.3M
+1.7% YoY
$1.7B
+5.8% YoY
$3.2B
+9.4% YoY
63%
Total Deposits ? $320.8M
+9.3% YoY +8.7% QoQ
-$5.9M $326.7M
+0.7% YoY
$2.0B
+2.5% YoY
$4.9B
+7.3% YoY
58%
Return on Assets ? 1.57%
+3.1% YoY -2.2% QoQ
+0.25% 1.32%
+10.8% YoY
1.32%
+8.9% YoY
1.30%
+12.1% YoY
69%
Net Interest Margin ? 4.19%
+3.6% YoY -0.8% QoQ
+0.21% 3.99%
+5.0% YoY
4.10%
+6.0% YoY
3.95%
+4.9% YoY
65%
Efficiency Ratio ? 57.49%
-5.5% YoY +0.2% QoQ
-6.99% 64.48%
-3.2% YoY
61.09%
-4.5% YoY
70.05%
+2.5% YoY
65%
Delinquency Rate ? 1.13%
-25.7% YoY -6.7% QoQ
+0.21% 0.92%
+15.7% YoY
1.05%
+22.1% YoY
0.98%
+16.3% YoY
25%
Loan-to-Deposit Ratio ? 85.82%
-0.0% YoY -3.1% QoQ
+7.87% 77.95%
+1.0% YoY
82.37%
+1.8% YoY
79.03%
+2.3% YoY
36%
Non-Interest-Bearing Deposit Share ? 15.62%
-18.6% YoY -5.0% QoQ
-6.41% 22.03%
-0.6% YoY
19.62%
+0.3% YoY
21.98%
-0.6% YoY
27%
Nonperforming Asset Ratio ? 0.87%
-28.5% YoY -9.1% QoQ
+0.20% 0.67%
+16.4% YoY
0.84%
+30.0% YoY
0.69%
+15.8% YoY
24%
Tier 1 Capital Ratio ? 10.19%
-2.1% YoY -4.1% QoQ
-5.72% 15.91%
+1.4% YoY
13.64%
+0.9% YoY
17.09%
+0.8% YoY
Bottom 12.8% in tier
Non-Interest Income / Assets ? 0.31%
-11.3% YoY +91.5% QoQ
-0.25% 0.57%
+7.6% YoY
0.36%
-4.6% YoY
0.66%
+5.2% YoY
74%

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 (AR) National Avg Tier Percentile
Noninterest-Bearing 15.6%
-3.6pp YoY
-0.8pp QoQ
 -6.5pp 22.1% 19.6% 22.2% 26%
Brokered Deposits 9.8%
+2.6pp YoY
-0.3pp QoQ
 +1.9pp 7.9% 7.2% 8.5% 74%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
C&I 20.6%
-2.0pp YoY
-1.6pp QoQ
 +9.1pp 11.6% 12.7% 12.5% 89%
CRE 41.6%
+4.2pp YoY
-0.1pp QoQ
 +2.1pp 39.5% 41.0% 41.4% 56%
1-4 Family 28.1%
-0.4pp YoY
+0.2pp QoQ
 -4.5pp 32.6% 28.1% 31.3% 47%
Consumer 6.0%
-0.5pp YoY
-0.2pp QoQ
 +1.9pp 4.1% 4.5% 5.0% 82%

Capital

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 15.1% 19.7% n/a
Leverage Ratio 10.2%
-0.2pp YoY
-0.4pp QoQ
 -2.0pp 12.2% 11.9% 12.6% 35%
Total Capital Ratio n/a n/a 19.9% 16.3% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
Full-Time Employees 58
+5 (+9.4%) YoY
+3 (+5.5%) QoQ
 -1 58 315 482 61%
Assets per Employee ($) $6.1M
+0.3% YoY
+2.5% QoQ
 -$1.4M $7.5M $6.7M $8.8M 36%
Branch Count 5
0 YoY
0 QoQ
 0 4 25 18 55%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.1% 0.4% n/a
Nonaccrual 1.1%
-0.4pp YoY
-0.1pp QoQ
 +0.2pp 0.9% 1.1% 1.0% 74%
Allowance Coverage 1.60x
+41.0% YoY
+7.1% QoQ
 -22.55x 24.15x 4.69x 20.23x 41%
Net Charge-off Rate (YTD) 0.1%
0.0pp YoY
+0.1pp QoQ
 0.0pp 0.1% 0.2% 0.2% 76%

Profitability

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
ROE 17.7%
-0.6pp YoY
-0.2pp QoQ
 +5.5pp 12.2% 12.3% 11.6% 80%
Cost of Funds (YTD) 2.1%
0.0pp YoY
+0.1pp QoQ
 +0.4pp 1.7% 2.0% 1.7% 75%
Net Income ($, YTD) $2.7M
+10.8% YoY
— QoQ
 +$132K $2.6M $16.0M $40.4M 65%

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 (0)

No matched strength signatures this quarter

Concerns (1)

NIB Deposit Bleed

decline
#52 of 162 • Bottom 31.5% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature
Noninterest-Bearing Deposit Share: 15.62%
(Tier: 22.03%, National: 21.98%)
worse than tier avg
162 of 162 Community banks match · 211 nationally
↓ Shrinking -26 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 (0 metrics)

No strength rankings available

Top Weaknesses (2 metrics)

2307
Tier 1 Capital Ratio
capital
Value: 10.19%
Peer Median: 15.91%
#2307 of 2643 Bottom 12.8% in $100M-$1B
2014
Nonperforming Asset Ratio
credit_quality
Value: 0.87%
Peer Median: 0.67%
#2014 of 2643 Bottom 23.8% in $100M-$1B
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