United Bank is a state-chartered bank (fed member) headquartered in Springdale, Arkansas, in business for about 48 years. At the end of Q2 2026 it reported $296.0M in total assets and $260.3M in deposits, with 5 offices.
Based on its Q2 2026 filing, United Bank scores 74/100, which we describe as strong. That is higher than 57% of 2,650 banks with $100 million – $1 billion. Among 78 banks headquartered in Arkansas, it ranks 27th. Its strongest component is problem-loan coverage (99/100; 0.7%), and its lowest is capital cushion (57/100; 10.66%).
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 6 points (68 → 74), mostly because the earnings component improved by 16 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 62 |
| Q3 2024 | 62 |
| Q4 2024 | 64 |
| Q1 2025 | 67 |
| Q2 2025 | 68 |
| Q3 2025 | 69 |
| Q4 2025 | 69 |
| Q1 2026 | 72 |
| Q2 2026 | 74 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.50% |
| Q3 2024 | 10.28% |
| Q4 2024 | 10.32% |
| Q1 2025 | 10.50% |
| Q2 2025 | 10.40% |
| Q3 2025 | 10.50% |
| Q4 2025 | 10.28% |
| Q1 2026 | 10.37% |
| Q2 2026 | 10.66% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.36% |
| Q3 2024 | 0.39% |
| Q4 2024 | 0.28% |
| Q1 2025 | 0.26% |
| Q2 2025 | 0.18% |
| Q3 2025 | 0.14% |
| Q4 2025 | 0.13% |
| Q1 2026 | 0.12% |
| Q2 2026 | 0.10% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.35% |
| Q3 2024 | 0.42% |
| Q4 2024 | 0.50% |
| Q1 2025 | 0.69% |
| Q2 2025 | 0.79% |
| Q3 2025 | 0.86% |
| Q4 2025 | 0.91% |
| Q1 2026 | 1.13% |
| Q2 2026 | 1.20% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 74 | $296.0M | 10.66% | 0.10% | 1.20% | 93.6% |
| Q1 2026 | 72 | $319.5M | 10.37% | 0.12% | 1.13% | 86.3% |
| Q4 2025 | 69 | $297.8M | 10.28% | 0.13% | 0.91% | 95.8% |
| Q3 2025 | 69 | $306.9M | 10.50% | 0.14% | 0.86% | 96.6% |
| Q2 2025 | 68 | $296.7M | 10.40% | 0.18% | 0.79% | 95.9% |
| Q1 2025 | 67 | $291.5M | 10.50% | 0.26% | 0.69% | 97.6% |
| Q4 2024 | 64 | $289.4M | 10.32% | 0.28% | 0.50% | 99.6% |
| Q3 2024 | 62 | $286.0M | 10.28% | 0.39% | 0.42% | 101.3% |
| Q2 2024 | 62 | $280.3M | 10.50% | 0.36% | 0.35% | 101.1% |
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 |
|---|---|---|---|---|---|
| First National Bank Of CommerceBank Walnut Ridge, AR | 80 out of 100, Strong | $296.6M | 10.6% | 0.17% | vs |
| Merchants and Farmers BankBank Dumas, AR | 50 out of 100, Below average | $297.6M | 10.7% | 2.40% | vs |
| Farmers BankBank Greenwood, AR | 90 out of 100, Very strong | $288.7M | 16.2% | 0.20% | vs |
| Horatio State BankBank Horatio, AR | 68 out of 100, Moderate | $311.5M | 12.0% | 1.18% | vs |
| Peoples BankBank Sheridan, AR | 90 out of 100, Very strong | $313.8M | 13.3% | 0.03% | 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 United Bank?
Yes. United Bank is an FDIC-insured institution (FDIC certificate #32025). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 21.5% of deposits ($56.0M) 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 10.66%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.69% (benchmark: 10%).
5 locations
Branches
United Bank lists 5 offices in 4 cities. Most locations:
- Springdale, AR (2)
- Bentonville, AR (1)
- Fayetteville, AR (1)
- Rogers, AR (1)
HMDA 2025
Mortgage lending
In 2025, United Bank reported 40 home-loan applications under HMDA (LEI 549300C6XY8GTVR2TV60): 30 originated ($16,600,000 total), 7 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 17.9%, 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
- United Bank
- Former names
- United Federal Savings Bank; Little River Savings and Loan Association Ashdown Arkansas
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 32025
- RSSD ID
- 539377
- Primary regulator
- FED
- Holding company
- United Holding Co Inc
- Established
- January 1, 1978
- Headquarters
- 2600 S Thompson St, Springdale, AR 72764
- Website
- www.united-bk.com
- Employees
- 53
Quick answers
United Bank: common questions
Is United Bank FDIC insured?
Yes. United Bank is an FDIC-insured institution (FDIC certificate #32025). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is United Bank's TellerScore?
74 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 United Bank ever failed?
There is no failure record for FDIC certificate #32025 in the FDIC failed bank list.
How many branches does United Bank have?
5 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Springdale
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Security BankBank Searcy, AR | 92 out of 100, Very strong | $8.6B | 15.6% | 0.14% | vs |
| Uark Federal Credit UnionCredit union Fayetteville, AR | 82 out of 100, Strong | $81.9M | 13.2% | 0.32% | vs |
| Chambers BankBank Danville, AR | 81 out of 100, Strong | $1.6B | 12.6% | 0.23% | vs |
| Grand Savings BankBank Grove, OK | 80 out of 100, Strong | $1.0B | 12.0% | 0.63% | vs |
| Centennial BankBank Conway, AR | 79 out of 100, Strong | $24.6B | 12.6% | 0.55% | vs |
| The First National Bank of Fort SmithBank Fort Smith, AR | 78 out of 100, Strong | $2.3B | 11.1% | 0.44% | vs |