United Bank & Trust Co.
Headquarters
2101 S Center St
Marshalltown, IA 50158
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2026 Overview
General Bank Information
United Bank & Trust Co. is an FDIC insured institution located in Marshalltown, IA. It was founded in 2002 and has approximately $0.12 billion in assets. Customers can open an account at one of its 2 branches.
| FDIC Insured | Yes |
| FDIC Certificate | # 57391 |
| Date Established | 2002 |
| Assets | $ 120.14 million |
| Loans | $ 68.09 million |
| Deposits | $ 105.74 million |
| Capital | $ 11.79 million |
For a more detailed analysis of United Bank & Trust Co.'s financial condition and a description of what these numbers mean, please visit the Financial Details section.
Deposit Rates - October 4, 2026
Your Current Location: Iowa, IA
| Savings and Money Market Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.03% | $100 | - |
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|
|
Money Market
|
0.03% | $2,500 | $24,999 |
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|
Money Market
|
0.10% | $25,000 | $99,999 |
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|
| CD Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.10% | $10,000 | $24,999 |
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|
| 6 Mo CD
|
0.15% | $25,000 | - |
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|
| 12 Mo CD
|
0.30% | $10,000 | $24,999 |
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|
| 12 Mo CD
|
0.50% | $25,000 | - |
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|
| 18 Mo CD
|
0.35% | $10,000 | $24,999 |
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|
| 18 Mo CD
|
0.60% | $25,000 | - |
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|
| 24 Mo CD
|
0.55% | $10,000 | $24,999 |
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|
| 24 Mo CD
|
0.75% | $25,000 | - |
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|
| 36 Mo CD
|
0.55% | $10,000 | $24,999 |
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|
| 36 Mo CD
|
0.90% | $25,000 | - |
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|
| 48 Mo CD
|
0.95% | $10,000 | $24,999 |
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|
| 48 Mo CD
|
1.25% | $25,000 | - |
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|
| 60 Mo CD
|
1.10% | $10,000 | $24,999 |
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| 60 Mo CD
|
1.40% | $25,000 | - |
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| Fixed IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Fixed IRA
|
0.15% | $1 | $9,999 | Learn More |
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.01% | $500 | - | Learn More |
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Loan Rates - October 4, 2026
Your Current Location: Iowa, IA
There are currently no loan rates available for United Bank & Trust Co.
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Iowa 30 Year Fixed Mortgage Rates 2026
Featured - Iowa Home Equity Line Of Credit Rates 2026
Note to United Bank & Trust Co.
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Branches
United Bank & Trust Co. 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:
Sioux City,Iowa
United Bank & Trust Co. Locations
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 187.12 | A | View Lobby Hours | |
| 187.47 | B | View Lobby Hours |
Climate Policy and Initiatives
United Bank & Trust Co. 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 Co. Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of United Bank & Trust Co.. 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 Co. | U.S. Bank Average |
|---|---|
| 9.54% | 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 Co. had $1,209,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $11,788,000 in equity and $890,000 in loans loss reserves. That gives it a Texas Ratio of 9.54%.
Return on Equity
| United Bank & Trust Co. | U.S. Bank Average |
|---|---|
| 12.66% | 10.69% |
United Bank & Trust Co. has a Return on Equity of 12.66% 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 Co. | U.S. Bank Average |
|---|---|
| 9.81% | 11.75% |
United Bank & Trust Co. has a Capitalization of 9.81% 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 Co. Balance Sheet Analysis
As of March 31, 2026, United Bank & Trust Co. had assets of $120,144,000, loans of $68,087,000, and deposits of $105,743,000. 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 | $ 12.84 million |
| Interest-bearing balances | $ 10.91 million |
| Total securities | $ 35.98 million |
| Federal funds sold and reverse repurchase | $ 0.30 million |
| Net loans and leases | $ 68.09 million |
| Loan loss allowance | $ 0.89 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | N.A. |
| Goodwill and other intangibles | N.A. |
| All other assets | $ 1.62 million |
| Total Assets | $ 107.77 million |
| LIABILITIES | |
|---|---|
| Total deposits | $ 105.74 million |
| Interest-bearing deposits | $ 89.94 million |
| Deposits held in domestic offices | $ 105.74 million |
| % insured (estimated) | 74.44% |
| Federal funds purchased and repurchase agreements | $ 1.38 million |
| Trading liabilities | N.A. |
| Other borrowed funds | N.A. |
| Subordinated debt | N.A. |
| All other liabilities | $ 0.29 million |
| Total Liabilities | $ 107.77 million |
| Shareholders’ Equity | $ 12.38 million |
Summary Income Statement
December 31, 2025| INCOME AND EXPENSES | |
|---|---|
| Total Interest Income | $ 1.30 million |
| Total Interest Expense | $ 0.31 million |
| Net interest income | $ 0.99 million |
| Provision for loan and lease losses | N.A. |
| Total non interest income | $ 0.18 million |
| Total non interest expense | $ 0.70 million |
| Pre-tax Net Operating Income | $ 0.58 million |
Bank Loan Profile?
The top three loan types in United Bank & Trust Co.’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Multifamily Mortgages.
Compared to other banks in Iowa, United Bank & Trust Co. has a significantly higher percent of Multifamily Mortgages, Small Business Loans, Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.
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 | 15.64 | ✓ | ||
| Multifamily Mortgages |
9.25 | ✓ | ||
| Credit Card Loans | 0.00 | ✓ | ||
| Consumer Auto Loans | 1.16 | ✓ | ||
| Small Business Loans | 7.56 | ✓ | ||
| Construction and Development Loans | 0.20 | ✓ | ||
| Commercial Real Estate | 48.41 | ✓ | ||
| Commercial and Industrial Loans | 6.06 | ✓ | ||
| Farm Loans | 3.78 | ✓ | ||
Customer Reviews for United Bank & Trust Co.
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