2026 Overview
General Bank Information
United Bank & Trust is an FDIC insured institution located in Marysville, KS. It was founded in 1890 and has approximately $0.89 billion in assets. Customers can open an account at one of its 15 branches.
| FDIC Insured | Yes |
| FDIC Certificate | # 17477 |
| Date Established | 1890 |
| Assets | $ 892.91 million |
| Loans | $ 658.33 million |
| Deposits | $ 732.99 million |
| Capital | $ 104.05 million |
For a more detailed analysis of United Bank & Trust's financial condition and a description of what these numbers mean, please visit the Financial Details section.
Deposit Rates - September 30, 2026
Your Current Location: Washington, WA
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Loan Rates - September 30, 2026
Your Current Location: Washington, WA
There are currently no loan rates available for United Bank & Trust
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Washington 30 Year Fixed Mortgage Rates 2026
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Branches
United Bank & Trust 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:
Aberdeen,Washington
United Bank & Trust Locations
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 1478.24 | A | View Lobby Hours | |
| 1502.37 | B | View Lobby Hours | |
| 1503.87 | C | View Lobby Hours | |
| 1508.01 | D | View Lobby Hours | |
| 1508.97 | E | View Lobby Hours | |
| 1522.06 | F | View Lobby Hours | |
| 1522.61 | G | View Lobby Hours | |
| 1533.14 | H | View Lobby Hours | |
| 1540.25 | I | View Lobby Hours | |
| 1540.71 | J | View Lobby Hours | |
| 1551.37 | K | View Lobby Hours | |
| 1551.60 | L | View Lobby Hours | |
| 1562.75 | M | View Lobby Hours | |
| 1563.19 | N | View Lobby Hours | |
| 1563.22 | O | View Lobby Hours |
Climate Policy and Initiatives
United Bank & Trust is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.
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Financial Details
United Bank & Trust Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of United Bank & Trust. 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
| United Bank & Trust | U.S. Bank Average |
|---|---|
| 0.83% | 5.57% |
The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its 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 December 31, 2025, United Bank & Trust had $23,000 in non-current loans and $911,000 in owned real estate. To cover these potential losses it had $104,054,000 in equity and $8,681,000 in loans loss reserves. That gives it a Texas Ratio of 0.83%.
Return on Equity
| United Bank & Trust | U.S. Bank Average |
|---|---|
| 13.22% | 10.69% |
United Bank & Trust has a Return on Equity of 13.22% versus the BestCashCow average of 10.69%. 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
| United Bank & Trust | U.S. Bank Average |
|---|---|
| 11.65% | 11.75% |
United Bank & Trust has a Capitalization of 11.65% versus the BestCashCow average of 11.75. 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.
United Bank & Trust Balance Sheet Analysis
As of March 31, 2026, United Bank & Trust had assets of $892,914,000, loans of $658,327,000, and deposits of $732,985,000. 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
December 31, 2025| ASSETS | |
|---|---|
| Cash & Balances due from depository institutions | $ 9.71 million |
| Interest-bearing balances | $ 0.40 million |
| Total securities | $ 156.02 million |
| Federal funds sold and reverse repurchase | $ 22.71 million |
| Net loans and leases | $ 658.33 million |
| Loan loss allowance | $ 8.68 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | $ 0.91 million |
| Goodwill and other intangibles | $ 10.11 million |
| All other assets | $ 30.48 million |
| Total Assets | $ 801.31 million |
| LIABILITIES | |
|---|---|
| Total deposits | $ 732.99 million |
| Interest-bearing deposits | $ 592.78 million |
| Deposits held in domestic offices | $ 732.99 million |
| % insured (estimated) | 76.69% |
| Federal funds purchased and repurchase agreements | $ 9.90 million |
| Trading liabilities | N.A. |
| Other borrowed funds | $ 52.69 million |
| Subordinated debt | N.A. |
| All other liabilities | $ 1.22 million |
| Total Liabilities | $ 801.31 million |
| Shareholders’ Equity | $ 91.60 million |
Summary Income Statement
December 31, 2025| INCOME AND EXPENSES | |
|---|---|
| Total Interest Income | $ 11.44 million |
| Total Interest Expense | $ 3.29 million |
| Net interest income | $ 8.15 million |
| Provision for loan and lease losses | $ 0.15 million |
| Total non interest income | $ 0.69 million |
| Total non interest expense | $ 4.46 million |
| Pre-tax Net Operating Income | $ 5.77 million |
Bank Loan Profile?
The top three loan types in United Bank & Trust’s loan portfolio are Farm Loans, Commercial Real Estate, and 1-4 Family Residential Loans.
Compared to other banks, United Bank & Trust’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 | 9.40 | ✓ | ||
| Multifamily Mortgages |
0.95 | ✓ | ||
| Credit Card Loans | 0.00 | ✓ | ||
| Consumer Auto Loans | 0.92 | ✓ | ||
| Small Business Loans | 0.00 | ✓ | ||
| Construction and Development Loans | 1.44 | ✓ | ||
| Commercial Real Estate | 11.37 | ✓ | ||
| Commercial and Industrial Loans | 8.31 | ✓ | ||
| Farm Loans | 12.83 | ✓ | ||
Customer Reviews for United Bank & Trust
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