TellerScore

Union Bank (FDIC certificate #14597) is based in Mena, Arkansas. Its Q2 2026 call report shows $710.2M in total assets and $625.9M in deposits and 11 offices.

Based on its Q2 2026 filing, Union Bank scores 82/100, which we describe as strong. That is higher than 82% of 2,650 banks with $100 million – $1 billion. Among 78 banks headquartered in Arkansas, it ranks 11th. Its strongest component is earnings (100/100; 2.43%), and its lowest is capital cushion (64/100; 11.40%).

TellerScore · Q2 2026

Scorecard

Capital cushion64/100
Tier 1 leverage ratio: 11.40%
Loan quality91/100
Noncurrent loans ÷ total loans: 0.26%
Earnings100/100
Return on assets (annualized): 2.43%
Funding & liquidity71/100
Loans ÷ deposits and uninsured-deposit share: 76.6% · 26.4% uninsured
Problem-loan coverage97/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.51%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (82 → 82).

TellerScore
778083Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202481
Q3 202481
Q4 202477
Q1 202583
Q2 202582
Q3 202583
Q4 202581
Q1 202683
Q2 202682
Tier 1 leverage ratio
5.00%8.36%11.72%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.92%
Q3 202411.08%
Q4 202411.09%
Q1 202511.31%
Q2 202511.38%
Q3 202511.72%
Q4 202510.89%
Q1 202611.36%
Q2 202611.40%
Noncurrent loans
0.24%0.50%0.76%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.30%
Q3 20240.27%
Q4 20240.76%
Q1 20250.24%
Q2 20250.36%
Q3 20250.28%
Q4 20250.31%
Q1 20260.26%
Q2 20260.26%
Return on assets
1.94%2.18%2.43%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.94%
Q3 20241.94%
Q4 20241.98%
Q1 20252.14%
Q2 20252.21%
Q3 20252.26%
Q4 20252.26%
Q1 20262.35%
Q2 20262.43%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202682$710.2M11.40%0.26%2.43%76.6%
Q1 202683$709.9M11.36%0.26%2.35%74.5%
Q4 202581$677.8M10.89%0.31%2.26%76.7%
Q3 202583$672.3M11.72%0.28%2.26%76.2%
Q2 202582$651.5M11.38%0.36%2.21%76.5%
Q1 202583$664.9M11.31%0.24%2.14%74.4%
Q4 202477$650.1M11.09%0.76%1.98%75.8%
Q3 202481$646.0M11.08%0.27%1.94%75.2%
Q2 202481$652.5M10.92%0.30%1.94%73.5%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.40%
56th
Total risk-based capital20.76%
88th
Problem loans0.26%
60th
Net charge-offs0.06%
25th
Return on assets2.43%
95th
Net interest margin4.72%
86th
Efficiency ratio51.3%
81st
Loans to deposits76.6%
57th
Uninsured deposits26.4%
40th
Loan-loss reserves1.52%
80th
Texas ratio1.5%
63rd

Similar-size banks in Arkansas

InstitutionScoreAssetsCapitalProblem loansCompare
The Malvern National BankBank Malvern, AR71 out of 100, Strong$728.4M9.4%0.09%vs
First State BankBank Russellville, AR71 out of 100, Strong$665.4M11.4%0.04%vs
CS BankBank Eureka Springs, AR69 out of 100, Moderate$628.5M12.0%1.37%vs
First Western BankBank Booneville, AR60 out of 100, Moderate$792.7M8.9%0.76%vs
Cross BankBank Wynne, AR54 out of 100, Below average$593.5M10.5%2.47%vs
First National Bank of Eastern ArkansasBank Forrest City, AR72 out of 100, Strong$589.5M11.0%0.64%vs

Deposit insurance

Is my money safe at Union Bank?

Yes. Union Bank is an FDIC-insured institution (FDIC certificate #14597). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 26.4% of deposits ($165.3M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.40%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 20.76% (benchmark: 10%).

Check how much of your own balance is covered

11 locations

Branches

Union Bank lists 10 offices in 10 cities. Most locations:

  • Booneville, AR (1)
  • Caulksville, AR (1)
  • Clarksville, AR (1)
  • Hatfield, AR (1)
  • Mena, AR (1)
  • Ozark, AR (1)
  • Paris, AR (1)
  • Russellville, AR (1)
  • Waldron, AR (1)
  • Wickes, AR (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Union Bank reported 454 home-loan applications under HMDA (LEI 254900XDI51NPWZM0N29): 448 originated ($69,120,000 total), 6 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 1.3%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Union Bank
Former names
The Union Bank of Mena
Type
State-chartered bank (Fed member)
FDIC certificate #
14597
RSSD ID
86349
Primary regulator
FED
Holding company
Union Bankshares Inc
Established
July 25, 1934
Headquarters
303 Highway 71 N, Mena, AR 71953
Employees
120

Quick answers

Union Bank: common questions

Is Union Bank FDIC insured?

Yes. Union Bank is an FDIC-insured institution (FDIC certificate #14597). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Union Bank's TellerScore?

82 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Union Bank ever failed?

There is no failure record for FDIC certificate #14597 in the FDIC failed bank list.

How many branches does Union Bank have?

11 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Mena

InstitutionScoreAssetsCapitalProblem loansCompare
Usem Mena Federal Credit UnionCredit union Mena, AR89 out of 100, Very strong$1.8M32.4%0.00%vs
Chambers BankBank Danville, AR81 out of 100, Strong$1.6B12.6%0.23%vs
Diamond BankBank Murfreesboro, AR69 out of 100, Moderate$957.2M10.0%0.58%vs
Arvest BankBank Fayetteville, AR57 out of 100, Moderate$28.1B9.1%0.86%vs
First Financial BankBank El Dorado, AR50 out of 100, Below average$2.0B11.2%3.64%vs