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823 Broadway, P.O. Box 311
Marysville, KS 66508

United Bank & Trust is headquartered in Marysville and is the 21st largest bank in the state of Kansas. It is also the 1,169th largest bank in the nation. It was established in 1890 and as of June of 2014, it had grown to 101 employees at 15 locations. United Bank & Trust has a A+ health rating.

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Data for Q2 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 June 30, 2014 United Bank & Trust had $4.08 million in non-current loans and owned real-estate with $71.71 million in equity and loan loss allowances on hand to cover it. This gives United Bank & Trust a Texas Ratio of 5.70% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for United Bank & Trust decreased dramatically from 14.93% as of June 30, 2013 to 5.70% as of June 30, 2014, resulting in a positive change of 61.85%.This indicates that the balance sheet and financial strength for United Bank & Trust has improved dramatically in recent periods.

Deposit Growth


In the past year, United Bank & Trust has increased its total deposits by $8.08 million, resulting in 2% 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 above average.



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 $568.53 million in assets with $71.71 million in equity, resulting in a capitalization level of 12.61%, which is excellent.

Institution Statistics

FDIC Certificate #17477
Year Established1890
Primary RegulatorFED
Assets and Liabilities
Assets$568.53 million
Loans$371.40 million
Deposits$411.26 million
Equity Capital$65.92 million
Loan Loss Allowance$5.79 million
Real Estate Owned$4.08 million
Historic Data - June 2013
Assets$542.75 million
Equity Capital$63.93 million
Loan Loss Allowance$5.42 million
Unbacked Noncurrent Loans$0
Real Estate Owned$8.02 million
Profit Margin - Quarterly
Return on Assets1.03%
Return on Equity9.02%
Interest Income$10.66 million

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