Dedicated to Deposits: Deals, Data, and Discussion
Featured Savings Rates
Featured Accounts
Overview / Commentary
15 East Main Street
Union, MO 63084

United Bank of Union is headquartered in Union and is the 79th largest bank in the state of Missouri. It is also the 2,145th largest bank in the nation. It was established in 1934 and as of March of 2014, it had grown to 73 employees at 3 locations. United Bank of Union has a C+ health rating.

No reviews have been left for this bank yet. Be the first to review.


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 of Union had $12.21 million in non-current loans and owned real-estate with $35.56 million in equity and loan loss allowances on hand to cover it. This gives United Bank of Union a Texas Ratio of 34.33% 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 of Union increased slightly from 12.71% as of March 31, 2013 to 34.33% as of March 31, 2014, resulting in a negative change of 170.01%. This indicates that the balance sheet and financial strength for United Bank of Union has declined slightly in recent periods.

Deposit Growth


In the past year, United Bank of Union has increased its total deposits by $8.98 million, resulting in 3.43% 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 of Union has shown is excellent.



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 of Union has $305.94 million in assets with $35.56 million in equity, resulting in a capitalization level of 11.62%, which is excellent.

Institution Statistics

FDIC Certificate #14334
Year Established1934
Primary RegulatorFDIC
Assets and Liabilities
Assets$305.94 million
Loans$215.57 million
Deposits$270.38 million
Equity Capital$30.89 million
Loan Loss Allowance$4.68 million
Unbacked Noncurrent Loans$10.62 million
Real Estate Owned$1.59 million
Historic Data - March 2013
Assets$300.13 million
Equity Capital$31.96 million
Loan Loss Allowance$4.67 million
Unbacked Noncurrent Loans$10.62 million
Real Estate Owned$1.39 million
Profit Margin - Quarterly
Net Interest Margin3.6%
Return on Assets1.15%
Return on Equity11.37%
Interest Income$3.04 million

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

United Bank of Union Savings Account Rates

0.45%$250k-Ultimate Savings
0.10%$25-Statement Savings

United Bank of Union Money Market Rates

0.30%$250k-Money Market Account

United Bank of Union Checking Account Rates

0.10%--Rebel Plus Checking
0.10%--Now Checking
0.10%--Seniority Checking

United Bank of Union CD Rates

1.36%$500-60 Month CD
1.31%$500-60 Month Step - Up CD
1.16%$500-48 Month CD
1.00%$500-36 Month CD
0.95%$500-36 Month Step - Up CD
0.55%$500-24 Month CD
0.35%$500-12 Month CD
0.15%$500-91 Days CD
0.15%$500-6 Month CD

United Bank of Union Locations
Rebel Road Branch1440 Rebel RoadUnion, MO 63084
United Bank Of Union15 East Main StreetUnion, MO 63084
Union Branch210 Highway 50 WestUnion, MO 63084