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United Bank

$100M-$1B Specialty: Commercial AR FDIC cert 32025

Springdale, 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 +2.8% year over year ($260.3M on the books).
  • Delinquency rate 0.10%.
  • Return on assets 1.20%.
  • Efficiency ratio 71.11% vs a 64.48% peer average.
  • Loan-to-deposit ratio 93.63% 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) →

United Bank has 2 strengths but faces 4 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

  • + Net Interest Margin 0.48% above tier average
  • + Delinquency Rate 0.81% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 11.7% in tier
  • - Flatlined Growth: Bottom 43.9% in tier
  • - ROA 0.13% below tier average
  • - Efficiency Ratio 6.64% above tier average
Get updates when United Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
Total Assets ? $296.0M
-0.3% YoY -7.4% QoQ
-$90.6M $386.6M
+1.2% YoY
$2.4B
+2.9% YoY
$6.3B
+7.7% YoY
45%
Total Loans ? $243.7M
+0.4% YoY -0.6% QoQ
-$14.7M $258.3M
+1.7% YoY
$1.7B
+5.8% YoY
$3.2B
+9.4% YoY
57%
Total Deposits ? $260.3M
+2.8% YoY -8.4% QoQ
-$66.5M $326.7M
+0.7% YoY
$2.0B
+2.5% YoY
$4.9B
+7.3% YoY
47%
Return on Assets ? 1.20%
+51.7% YoY +5.4% QoQ
-0.13% 1.32%
+10.8% YoY
1.32%
+8.9% YoY
1.30%
+12.1% YoY
47%
Net Interest Margin ? 4.47%
+9.2% YoY +2.1% QoQ
+0.48% 3.99%
+5.0% YoY
4.10%
+6.0% YoY
3.95%
+4.9% YoY
79%
Efficiency Ratio ? 71.11%
-7.8% YoY +0.2% QoQ
+6.64% 64.48%
-3.2% YoY
61.09%
-4.5% YoY
70.05%
+2.5% YoY
27%
Delinquency Rate ? 0.10%
-42.7% YoY -12.8% QoQ
-0.81% 0.92%
+15.7% YoY
1.05%
+22.1% YoY
0.98%
+16.3% YoY
74%
Loan-to-Deposit Ratio ? 93.63%
-2.4% YoY +8.5% QoQ
+15.67% 77.95%
+1.0% YoY
82.37%
+1.8% YoY
79.03%
+2.3% YoY
19%
Non-Interest-Bearing Deposit Share ? 14.28%
-12.5% YoY +1.0% QoQ
-7.75% 22.03%
-0.6% YoY
19.62%
+0.3% YoY
21.98%
-0.6% YoY
21%
Nonperforming Asset Ratio ? 0.09%
-42.3% YoY -6.4% QoQ
-0.58% 0.67%
+16.4% YoY
0.84%
+30.0% YoY
0.69%
+15.8% YoY
73%
Tier 1 Capital Ratio ? 13.43%
+7.1% YoY +2.6% QoQ
-2.48% 15.91%
+1.4% YoY
13.64%
+0.9% YoY
17.09%
+0.8% YoY
52%
Non-Interest Income / Assets ? 0.08%
+0.3% YoY +141.1% QoQ
-0.49% 0.57%
+7.6% YoY
0.36%
-4.6% YoY
0.66%
+5.2% YoY
Bottom 13.2% in tier

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 14.3%
-2.0pp YoY
+0.1pp QoQ
 -7.9pp 22.1% 19.6% 22.2% 21%
Brokered Deposits 4.5%
+0.9pp YoY
-2.5pp QoQ
 -3.4pp 7.9% 7.2% 8.5% 48%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
C&I 7.3%
+1.0pp YoY
+0.2pp QoQ
 -4.3pp 11.6% 12.7% 12.5% 34%
CRE 49.5%
+1.9pp YoY
+0.4pp QoQ
 +9.9pp 39.5% 41.0% 41.4% 69%
1-4 Family 36.3%
-3.1pp YoY
-0.7pp QoQ
 +3.7pp 32.6% 28.1% 31.3% 64%
Consumer 8.5%
+1.0pp YoY
+0.1pp QoQ
 +4.4pp 4.1% 4.5% 5.0% 90%

Capital

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
CET1 Ratio 13.4%
+0.9pp YoY
+0.3pp QoQ
 -5.4pp 18.8% 15.1% 19.7% 33%
Leverage Ratio 10.7%
+0.3pp YoY
+0.3pp QoQ
 -1.5pp 12.2% 11.9% 12.6% 44%
Total Capital Ratio 14.7%
+0.9pp YoY
+0.3pp QoQ
 -5.2pp 19.9% 16.3% 20.8% 34%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
Full-Time Employees 53
+4 (+8.2%) YoY
+1 (+1.9%) QoQ
 -6 58 315 482 56%
Assets per Employee ($) $5.6M
-7.8% YoY
-9.1% QoQ
 -$1.9M $7.5M $6.7M $8.8M 24%
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 0.1%
-0.1pp YoY
0.0pp QoQ
 -0.8pp 0.9% 1.1% 1.0% 19%
Allowance Coverage 15.34x
+86.5% YoY
+15.3% QoQ
 -8.81x 24.15x 4.69x 20.23x 86%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.2% 0.2% 23%

Profitability

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
ROE 11.5%
+3.8pp YoY
+0.4pp QoQ
 -0.7pp 12.2% 12.3% 11.6% 47%
Cost of Funds (YTD) 2.5%
-0.3pp YoY
0.0pp QoQ
 +0.8pp 1.7% 2.0% 1.7% 90%
Net Income ($, YTD) $1.8M
+57.9% YoY
— QoQ
 -$736K $2.6M $16.0M $40.4M 49%

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 (2)

Liquidity Strain

risk
#82 of 691 • Bottom 11.7% 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: 93.63%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ

Flatlined Growth

risk
#233 of 529 • Bottom 43.9% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 1.20%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 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 (1 metrics)

567
Net Interest Margin
profitability
Value: 4.47%
Peer Median: 3.99%
#567 of 2643 Top 21.4% in $100M-$1B

Top Weaknesses (3 metrics)

2294
Non-Interest Income / Assets
revenue_mix
Value: 0.08%
Peer Median: 0.57%
#2294 of 2643 Bottom 13.2% in $100M-$1B
2145
Loan-to-Deposit Ratio
liquidity
Value: 93.63%
Peer Median: 77.95%
#2145 of 2643 Bottom 18.9% in $100M-$1B
2076
Non-Interest-Bearing Deposit Share
funding
Value: 14.28%
Peer Median: 22.03%
#2076 of 2643 Bottom 21.5% in $100M-$1B
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