Union Bank & Trust Company

BankMonticello, Arkansas
www.unionbnk.com

Total Assets

$342.9M

Total Deposits

$309.1M

Branches

5

Established

1887

TFS Health Grade

$
D+

69.3 / 100

Below average financial health

How we grade

Union Bank & Trust Company is a bank headquartered in Monticello, Arkansas, established in 1887. With $342.9M in total assets and 5 branch locations, it has a TFS Financial Health Grade of D+ (69.3/100).

Capital & Safety

Tier 1 Capital Ratio
10.31%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
1.16%

Profitability

Return on Assets (ROA)
1.51%(1%)
Return on Equity (ROE)
17.83%(10%)
Net Interest Margin
4.14%
Efficiency Ratio
59.43%(60%)

Lending & Liquidity

Total Loans
$268.7M
Loan-to-Deposit Ratio
85.50%
Net Charge-Off Ratio
0.26%

Growth

Asset Growth (YoY)
+8.16%
Deposit Growth (YoY)
+7.56%
Net Income
$4.9M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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