Dedicated to Deposits: Deals, Data, and Discussion
Featured Savings Rates
Featured Accounts
Overview / Commentary
785-562-2333
823 Broadway, P.O. Box 311
Marysville, KS 66508

United Bank & Trust is headquartered in Marysville and is the 22nd largest bank in the state of Kansas. It is also the 1,183rd largest bank in the nation. It was established in 1890 and as of December of 2013, it had grown to 103 employees at 15 locations. United Bank & Trust has a B+ health rating.

Related Posts



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



Health

Data for Q4 2013

Institution Health

B+

Texas Ratio

GRADE:
A

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 & Trust had $6 million in non-current loans and owned real-estate with $69.18 million in equity and loan loss allowances on hand to cover it. This gives United Bank & Trust a Texas Ratio of 8.67% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for United Bank & Trust decreased dramatically from 16.87% as of December 31, 2012 to 8.67% as of December 31, 2013, resulting in a positive change of 48.62%.This indicates that the balance sheet and financial strength for United Bank & Trust has improved dramatically in recent periods.

Deposit Growth

GRADE:
C-

In the past year, United Bank & Trust has decreased its total deposits by -$12.31 million, resulting in -2.92% 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 & Trust has shown is below average.

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 & Trust has $559.79 million in assets with $69.18 million in equity, resulting in a capitalization level of 12.36%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #17477
Year Established1890
Employees103
Primary RegulatorFED
Assets and Liabilities
Assets$559.79 million
Loans$360.04 million
Deposits$409.11 million
Equity Capital$63.56 million
Loan Loss Allowance$5.62 million
Unbacked Noncurrent Loans$64,000
Real Estate Owned$5.93 million
Historic Data - December 2012
Assets$547.46 million
Equity Capital$64.98 million
Loan Loss Allowance$5.20 million
Unbacked Noncurrent Loans$64,000
Real Estate Owned$9.00 million
Profit Margin - Quarterly
Net Interest Margin3.57%
Return on Assets0.89%
Return on Equity7.58%
Interest Income$21.21 million
Rates

Sorry, we do not have rate data for United Bank & Trust

Locations

United Bank & Trust has 15 locations. Click to view all United Bank & Trust locations.