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2600 South Thompson
Springdale, AR 72764

United Bank (AR) is headquartered in Springdale and is the 74th largest bank in the state of Arkansas. It is also the 3,844th largest bank in the nation. It was established in 1978 and as of March of 2014, it had grown to 52 employees at 4 locations. United Bank (AR) has a C+ health rating.

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Reviews (1)

Loan Application Process Slow And Unprofessional..........

I've been dealing with a , a loan officer at the Joyce Branch of United Bank.   was recommended to me by a realtor in Fayetteville as a go to man for home loans.   I orginally contacted him the end of Janurary 2011.   As of March 11, 2011 I'm still being asked for additional tax documents to determine if they can provide a line of credit for purchasing real estate.   I strongly recommend NOT doing business with and maybe United Bank for real estate loans.   I've been strung along and will be flying out tomorrow to Fayetteville to look at properties.  However, I won't have an approved letter of credit/preapproval which will be a big handicap in negotiating a purchase(s).   As an investor I will be starting over with another lender as of Monday due to the lack of follow through by .   Buyers and investors BEWARE!!!!!

Phillip Black - Kodiak, AK


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 United Bank (AR) had $4.19 million in non-current loans and owned real-estate with $24.68 million in equity and loan loss allowances on hand to cover it. This gives United Bank (AR) a Texas Ratio of 16.98% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for United Bank (AR) experienced no significant changes from 16.98% as of March 31, 2013 to 16.98% as of March 31, 2014, resulting in a positive change of 0.04%.This indicates that the balance sheet and financial strength for United Bank (AR) has had no significant changes in recent periods.

Deposit Growth


In the past year, United Bank (AR) has decreased its total deposits by -$14.03 million, resulting in -11.64% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth United Bank (AR) has shown is poor.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. United Bank (AR) has $142.67 million in assets with $24.68 million in equity, resulting in a capitalization level of 17.30%, which is excellent.

Institution Statistics

FDIC Certificate #32025
Year Established1978
Primary RegulatorOCC
Assets and Liabilities
Assets$142.67 million
Loans$115.69 million
Deposits$106.58 million
Equity Capital$22.50 million
Loan Loss Allowance$2.18 million
Unbacked Noncurrent Loans$2.38 million
Real Estate Owned$1.81 million
Historic Data - March 2013
Assets$151.30 million
Equity Capital$20.82 million
Loan Loss Allowance$4.55 million
Unbacked Noncurrent Loans$2.38 million
Real Estate Owned$2.11 million
Profit Margin - Quarterly
Net Interest Margin4.4%
Return on Assets1.44%
Return on Equity9.01%
Interest Income$1.64 million

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United Bank (AR) Savings Account Rates

0.50%-$5kChristmas Club
0.50%-$10kKasasa Saver - Qualifying
0.10%-$15kKid's Club
0.10%-$50kUB Savings
0.05%--Kasasa Saver - Non Qualifying

United Bank (AR) Money Market Rates

0.30%$100k-Money Market MAX Account

United Bank (AR) Checking Account Rates

2.00%-$10kKasasa Cash - Qualifying
0.40%--UB Grand Checking
0.05%--Kasasa Cash - Non Qualifying

United Bank (AR) CD Rates

1.00%$1k-60 Month CD
0.90%$1k-48 Month CD
0.75%$1k-36 Month CD
0.45%$1k-24 Month CD
0.35%$1k-12 Month CD
0.25%$1k-6 Month CD
0.15%$1k-3 Month CD
0.10%$1k-18 Month CD

United Bank (AR) IRA Rates

1.00%$1k-60 Month IRA
0.90%$1k-48 Month IRA
0.75%$1k-36 Month IRA
0.45%$1k-24 Month IRA
0.35%$1k-12 Month IRA
0.25%$1k-6 Month IRA
0.15%$1k-3 Month IRA
0.10%$1k-18 Month IRA

United Bank (AR) Locations
United Bank2600 South ThompsonSpringdale, AR 72764
Rogers Branch3333 West WalnutRogers, AR 72756
Springdale Branch607 West EmmaSpringdale, AR 72764
Fayetteville Branch670 East Joyce BoulevardFayetteville, AR 72703