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877-516-9417
2600 South Thompson
Springdale, AR 72764

United Bank (AR) is headquartered in Springdale and is the 76th largest bank in the state of Arkansas. It is also the 3,944th largest bank in the nation. It was established in 1978 and as of December of 2013, it had grown to 54 employees at 4 locations. United Bank (AR) has a B 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



Health

Data for Q4 2013

Institution Health

B

Texas Ratio

GRADE:
B

The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 United Bank (AR) had $4.74 million in non-current loans and owned real-estate with $24.33 million in equity and loan loss allowances on hand to cover it. This gives United Bank (AR) a Texas Ratio of 19.50% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B

The Texas Ratio for United Bank (AR) decreased slightly from 22.09% as of December 31, 2012 to 19.50% as of December 31, 2013, resulting in a positive change of 11.74%.This indicates that the balance sheet and financial strength for United Bank (AR) has improved slightly in recent periods.

Deposit Growth

GRADE:
F

In the past year, United Bank (AR) has decreased its total deposits by -$16.79 million, resulting in -13.97% 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.

Capitalization

GRADE:
A+

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 $136.95 million in assets with $24.33 million in equity, resulting in a capitalization level of 17.77%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #32025
Year Established1978
Employees54
Primary RegulatorOCC
Assets and Liabilities
Assets$136.95 million
Loans$111.03 million
Deposits$103.42 million
Equity Capital$22.14 million
Loan Loss Allowance$2.19 million
Unbacked Noncurrent Loans$2.76 million
Real Estate Owned$1.98 million
Historic Data - December 2012
Assets$157.52 million
Equity Capital$20.51 million
Loan Loss Allowance$4.59 million
Unbacked Noncurrent Loans$2.76 million
Real Estate Owned$2.44 million
Profit Margin - Quarterly
Net Interest Margin4.24%
Return on Assets2.45%
Return on Equity16.65%
Interest Income$6.80 million
Rates

Always verify rates and promotions with the bank or credit union. We are not United Bank (AR), we are a rate comparison website and can not provide official rates or promotions.

United Bank (AR) Savings Account Rates

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

United Bank (AR) Money Market Rates

DetailsAPYMINMAXPRODUCT
0.30%$100k-Money Market MAX Account

United Bank (AR) Checking Account Rates

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

United Bank (AR) CD Rates

DetailsAPYMINMAXPRODUCT
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

DetailsAPYMINMAXPRODUCT
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
Locations


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