Headquartered in Monticello, Arkansas, Union Bank & Trust Company is a state-chartered bank (fed member) with $355.8M in total assets and $320.8M in deposits as of Q2 2026. It operates 5 offices. Its charter dates back to 1887.
Based on its Q2 2026 filing, Union Bank & Trust Company scores 66/100, which we describe as moderate. That is higher than only 31% of 2,650 banks with $100 million – $1 billion. Among 78 banks headquartered in Arkansas, it ranks 49th. Its strongest component is earnings (83/100; 1.57%), and its lowest is capital cushion (52/100; 10.19%).
TellerScore · Q2 2026
Scorecard
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
From Q2 2025 to Q2 2026, the score rose 4 points (62 → 66), mostly because the loan quality component improved by 13 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 70 |
| Q3 2024 | 70 |
| Q4 2024 | 70 |
| Q1 2025 | 72 |
| Q2 2025 | 62 |
| Q3 2025 | 62 |
| Q4 2025 | 65 |
| Q1 2026 | 67 |
| Q2 2026 | 66 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.30% |
| Q3 2024 | 10.14% |
| Q4 2024 | 10.29% |
| Q1 2025 | 10.67% |
| Q2 2025 | 10.41% |
| Q3 2025 | 10.27% |
| Q4 2025 | 10.31% |
| Q1 2026 | 10.63% |
| Q2 2026 | 10.19% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.39% |
| Q3 2024 | 0.23% |
| Q4 2024 | 0.41% |
| Q1 2025 | 0.72% |
| Q2 2025 | 1.49% |
| Q3 2025 | 1.59% |
| Q4 2025 | 1.16% |
| Q1 2026 | 1.19% |
| Q2 2026 | 1.11% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.14% |
| Q3 2024 | 1.10% |
| Q4 2024 | 1.17% |
| Q1 2025 | 1.59% |
| Q2 2025 | 1.52% |
| Q3 2025 | 1.57% |
| Q4 2025 | 1.51% |
| Q1 2026 | 1.60% |
| Q2 2026 | 1.57% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 66 | $355.8M | 10.19% | 1.11% | 1.57% | 85.8% |
| Q1 2026 | 67 | $329.3M | 10.63% | 1.19% | 1.60% | 88.6% |
| Q4 2025 | 65 | $342.9M | 10.31% | 1.16% | 1.51% | 85.5% |
| Q3 2025 | 62 | $333.2M | 10.27% | 1.59% | 1.57% | 85.8% |
| Q2 2025 | 62 | $324.3M | 10.41% | 1.49% | 1.52% | 85.8% |
| Q1 2025 | 72 | $315.0M | 10.67% | 0.72% | 1.59% | 85.8% |
| Q4 2024 | 70 | $317.1M | 10.29% | 0.41% | 1.17% | 83.5% |
| Q3 2024 | 70 | $316.0M | 10.14% | 0.23% | 1.10% | 86.9% |
| Q2 2024 | 70 | $312.9M | 10.30% | 0.39% | 1.14% | 87.7% |
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).
Similar-size banks in Arkansas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Today's BankBank Huntsville, AR | 62 out of 100, Moderate | $351.0M | 9.5% | 0.74% | vs |
| Commercial Bank & Trust CompanyBank Monticello, AR | 40 out of 100, Below average | $364.0M | 11.3% | 5.40% | vs |
| Bank of 1889Bank Berryville, AR | 72 out of 100, Strong | $339.2M | 10.8% | 0.84% | vs |
| Bank of EnglandBank England, AR | 57 out of 100, Moderate | $332.3M | 19.9% | 4.26% | vs |
| Merchants & Planters' BankBank Newport, AR | 62 out of 100, Moderate | $379.4M | 10.2% | 1.29% | vs |
| First State BankBank Lonoke, AR | 77 out of 100, Strong | $328.1M | 11.2% | 0.00% | vs |
Deposit insurance
Is my money safe at Union Bank & Trust Company?
Yes. Union Bank & Trust Company is an FDIC-insured institution (FDIC certificate #1753). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 20.8% of deposits ($66.6M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.19%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
5 locations
Branches
Union Bank & Trust Company lists 2 offices in 2 cities. Most locations:
- Monticello, AR (1)
- Warren, AR (1)
Identity & history
Profile
- Legal name
- Union Bank & Trust Company
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 1753
- RSSD ID
- 22048
- Primary regulator
- FED
- Holding company
- First Union Financial Corp
- Established
- April 1, 1887
- Headquarters
- 102 W Mccloy St, Monticello, AR 71655
- Website
- www.unionbnk.com
- Employees
- 58
Quick answers
Union Bank & Trust Company: common questions
Is Union Bank & Trust Company FDIC insured?
Yes. Union Bank & Trust Company is an FDIC-insured institution (FDIC certificate #1753). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Union Bank & Trust Company's TellerScore?
66 out of 100 (Moderate), 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 & Trust Company ever failed?
There is no failure record for FDIC certificate #1753 in the FDIC failed bank list.
How many branches does Union Bank & Trust Company have?
5 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Monticello
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Producers Bank & TrustBank Mcgehee, AR | 90 out of 100, Very strong | $213.2M | 22.1% | 0.00% | vs |
| Connect BankBank Star City, AR | 89 out of 100, Very strong | $123.9M | 15.9% | 0.88% | vs |
| First Naturalstate BankBank Mcgehee, AR | 81 out of 100, Strong | $108.8M | 15.5% | 0.50% | vs |
| Warren Bank and Trust CompanyBank Warren, AR | 75 out of 100, Strong | $146.3M | 16.2% | 1.52% | vs |
| The Citizens BankBank Batesville, AR | 70 out of 100, Strong | $1.6B | 8.9% | 0.37% | vs |
| Simmons BankBank Pine Bluff, AR | 60 out of 100, Moderate | $24.7B | 9.2% | 0.92% | vs |