Union Bank & Trust Company

102 West Mccloy
Monticello, AR 71655

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 1753
Date Established 1887
Assets $0.21 billion
Loans $0.15 billion
Deposits $0.18 billion
Capital $0.02 billion

Union Bank & Trust Company is an FDIC insured institution located in Monticello, AR. It was founded in 1887 and has approximately $0.21 billion in assets. Customers can open an account at one of its 4 branches.

For a more detailed analysis of Union Bank & Trust Company's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Union Bank & Trust Company’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks, Union Bank & Trust Company’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 21.89
Multifamily
Mortgages
4.35
Credit Card Loans 0.00
Consumer Auto Loans 3.45
Small Business Loans 0.00
Construction and Development Loans 10.34
Commercial Real Estate 28.45
Commercial and Industrial Loans 18.88
Farm Loans 5.29

Deposit Rates - February 23, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
CD Rates APY MIN MAX
3 Mo CD
0.50% $500 $99,999 Learn MoreShow Less
3 Mo CD
0.50% $100,000 - Learn MoreShow Less
6 Mo CD
0.75% $500 $99,999 Learn MoreShow Less
6 Mo CD
0.75% $100,000 - Learn MoreShow Less
12 Mo CD
1.26% $500 $99,999 Learn MoreShow Less
12 Mo CD
1.26% $100,000 - Learn MoreShow Less
24 Mo CD
1.77% $500 $99,999 Learn MoreShow Less
24 Mo CD
1.77% $100,000 - Learn MoreShow Less
36 Mo CD
2.02% $500 $99,999 Learn MoreShow Less
36 Mo CD
2.02% $100,000 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
1.26% $500 $99,999 Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
1.01% $100 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.18% $1,000 - Learn MoreShow Less

Loan Rates - February 23, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Union Bank & Trust Company

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
4.750% 4.750% 0.00 $0 $1,305 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.125% 5.125% 0.00 $0 $1,362 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Flagstar Bank
Flagstar Bank
Intro APR
3.490 %
After Intro: 6.240 %
Intro Period: 6 months
$25,000 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info

Note to Union Bank & Trust Company
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Union Bank & Trust Company branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Union Bank & Trust Company Locations


Financial Details

Union Bank & Trust Company Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Union Bank & Trust Company. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Union Bank & Trust Company U.S. Bank Average
19.36% 7.34%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of September 30, 2018, Union Bank & Trust Company had $155,000 in non-current loans and $4,018,000 in owned real estate. To cover these potential losses it had $20,175,000 in equity and $1,379,000 in loans loss reserves. That gives it a Texas Ratio of 19.36%.

Return on Equity
Union Bank & Trust Company U.S. Bank Average
15.34% 9.95%

Union Bank & Trust Company has a Return on Equity of 15.34% versus the BestCashCow average of 9.95%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Union Bank & Trust Company U.S. Bank Average
9.53% 12.19%

Union Bank & Trust Company has a Capitalization of 9.53% versus the BestCashCow average of 12.19. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Union Bank & Trust Company Balance Sheet Analysis

As of September 30, 2018, Union Bank & Trust Company had assets of $211,767,000, loans of $152,852,000, and deposits of $179,016,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

September 30, 2018
ASSETS
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.00 billion
Total securities $0.04 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.15 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.01 billion
     Total Assets $0.19 billion
LIABILITIES
Total deposits $0.18 billion
      Interest-bearing deposits $0.14 billion
      Deposits held in domestic offices $0.18 billion
      % insured (estimated) 80.94%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.01 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.19 billion
      Shareholders’ Equity $0.02 billion

Summary Income Statement

September 30, 2018
INCOME AND EXPENSES
Total Interest Income $0.01 billion
Total Interest Expense $0.00 billion
Net interest income $0.01 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Frequently Asked Questions About Union Bank & Trust Company

Branches and Savings

Is Union Bank & Trust Company FDIC insured?

Yes. It is covered under FDIC Certificate #1753.

Why does Union Bank & Trust Company pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Union Bank & Trust Company CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Union Bank & Trust Company a commercial bank?

Yes

Where are Union Bank & Trust Company locations?

See branch locations nearby.

Is Union Bank & Trust Company open on Saturdays?

Is Union Bank & Trust Company open on Sundays?

What time does Union Bank & Trust Company open?

What time does Union Bank & Trust Company close?

Are Union Bank & Trust Company ATMs Open 24/7?

Do Union Bank & Trust Company ATMs accept cash deposits?

Can Union Bank & Trust Company customers use other ATMs?

Do Union Bank & Trust Company branches have notaries?

Will Union Bank & Trust Company notarize my document?

What address for Union Bank & Trust Company should I put for incoming ACH transfers?

Will the Union Bank & Trust Company branch print checks?

Do Union Bank & Trust Company checks expire?

Does Union Bank & Trust Company require US citizenship to open account?

Can Union Bank & Trust Company close my account?

Does Union Bank & Trust Company Report to credit bureaus?

Does Union Bank & Trust Company Use Equifax?

What is Union Bank & Trust Company's ACH Routing Number?

What is Union Bank & Trust Company's SWIFT code?

Products

Does Union Bank & Trust Company offer mortgages?

Compare mortgage rates here.

Does Union Bank & Trust Company offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Union Bank & Trust Company offer personal loans?

Compare personal loan rates here.

Does Union Bank & Trust Company offer student loans?

Will Union Bank & Trust Company cash a check?

Will Union Bank & Trust Company redeem a savings bond?

Does Union Bank & Trust Company cash savings bonds?

Will Union Bank & Trust Company cash money orders?

Can Union Bank & Trust Company issue a money order?

Does Union Bank & Trust Company do currency exchange?

Background on The Bank

Who owns Union Bank & Trust Company?

How long has Union Bank & Trust Company been around?

Can Union Bank & Trust Company transfer to other banks?

Does Union Bank & Trust Company have quick pay?

Does Union Bank & Trust Company accept rolled coins?

Will Union Bank & Trust Company accept loose change?

Where is Union Bank & Trust Company headquarters?

Customer Reviews for Union Bank & Trust Company

There are currently no comments for Union Bank & Trust Company. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →

*All images, logos and public notes on this page appear courtesy of Union Bank & Trust Company and are not subject to approval of BestCashCow. BestCashCow expressly disclaims all responsibility for this content.