Average User Rating:
1 star rating based on 1 review.

United Bank (AR)

2600 South Thompson
Springdale, AR 72764
877-516-9417
www.united-bk.com

FDIC

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United Bank (AR) is headquartered in Springdale and is the 73^rd largest bank in the state of Arkansas. It is also the 3,696^th largest bank in the nation. It was established in 1978 and as of December of 2012, it had grown to 52 employees at 4 locations. United Bank (AR) has a 3-star health rating.

United Bank (AR): Ultimate Checking Rate Drop (Forum) - 7/14/2010

It is official as of today, Reward Checking rate changed from 5.01% to 3.56% (up to $25K) and from 1.01% to 0.51% for amount over $25K.

Change Of RCA Rate: United Bank - AR (Forum) - 6/17/2010

The good news is that I found that their RCA is availbale nationally. The bad news is that they are soon changing their attractive 5.01% APY: The RCA rate will change on July 1st from the 4.86% apr (5.01% apy) to 3.51% apy, but it will also be in

High-Yield Reward Checking Account at United Bank in Arkansas - Local Only - 8/14/2009

United Bank is offering a reward checking account called Ultimate Checking with the following rates and features if certain monthly requirements are met:5.01% APY on balances up to $25,0001.01% APY on portion of balance over $25,0000.10% on all balances...

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See Rates for: Checking | Savings | Money Market | CD | IRA

United Bank (AR) Checking Account Rates

Apy	Min	Max	Product
0.50%	$100	-	UB Grand
0.15%	$100	-	Ultimate Checking

United Bank (AR) Savings Account Rates

Apy	Min	Max	Product
0.50%	-	$5k	Christmas Club
0.10%	-	-	Statement Savings
0.10%	-	-	Kid's Club

United Bank (AR) Money Market Rates

	Apy	Min	Max	Product
	0.30%	$100k	-	Money Market MAX Account

United Bank (AR) CD Rates

Apy	Min	Max	Product
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

Apy	Min	Max	Product
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

Rates updated: 5/25/2013

Data for Q4 2012

Institution Statistics

United Bank
OTS #	07756
FDIC Certificate #	32025
BankRate Report	View
Year Established	1978
Employees	52
Primary Regulator	OCC
Assets and Liabilities
Assets	$157.52 million
Loans	$120.86 million
Deposits	$120.21 million
Equity Capital	$20.51 million
Loan Loss Allowance	$4.59 million
Unbacked Noncurrent Loans	$3.10 million
Real Estate Owned	$2.44 million
Historic Data - December 2011
Assets	$170.18 million
Equity Capital	$18.64 million
Loan Loss Allowance	$4.78 million
Unbacked Noncurrent Loans	$4.26 million
Real Estate Owned	$3.78 million
Profit Margin - Quarterly
Net Interest Margin	4.01%
Return on Assets	1.31%
Return on Equity	11.05%
Interest Income	$7.78 million

Institution Health

Overall Score:

3 out of 5

Texas Ratio
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, 2012 United Bank (AR) had $5.54 million in non-current loans and owned real-estate with $25.1 million in equity and loan loss allowances on hand to cover it. This gives United Bank (AR) a Texas Ratio of 22.09% which is 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) decreased slightly from 34.33% as of December 31, 2011 to 22.09% as of December 31, 2012, resulting in a positive change of 35.66%.This indicates that the balance sheet and financial strength for United Bank (AR) has improved slightly in recent periods.
Deposit Growth
In the past year, United Bank (AR) has decreased its total deposits by -$13.83 million, resulting in -10.32% 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
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 $157.52 million in assets with $25.1 million in equity, resulting in a capitalization level of 15.93%, which is excellent.

Loan Application Process Slow And Unprofessional..........
1 stars

- REinvestor - Friday, March 11, 2011 - 10:07 AM

I've been dealing with a [name redacted], a loan officer at the Joyce Branch of United Bank. [name redacted] 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 [name redacted] 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 [name redacted]. Buyers and investors BEWARE!!!!!

Phillip Black - Kodiak, AK

United Bank (AR)

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