United Bank & Trust (FDIC certificate #17477) is based in Marysville, Kansas. Its Q2 2026 call report shows $892.9M in total assets and $714.1M in deposits and 16 offices.
Based on its Q2 2026 filing, United Bank & Trust scores 79/100, which we describe as strong. That is higher than 75% of 2,650 banks with $100 million – $1 billion. Among 185 banks headquartered in Kansas, it ranks 61st. Its strongest component is loan quality (100/100; 0.00%), and its lowest is funding & liquidity (58/100; 93% loans-to-deposits, 24% uninsured).
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 (75 → 79), mostly because the earnings component improved by 12 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 71 |
| Q3 2024 | 71 |
| Q4 2024 | 72 |
| Q1 2025 | 75 |
| Q2 2025 | 75 |
| Q3 2025 | 76 |
| Q4 2025 | 76 |
| Q1 2026 | 78 |
| Q2 2026 | 79 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.60% |
| Q3 2024 | 10.49% |
| Q4 2024 | 10.65% |
| Q1 2025 | 10.88% |
| Q2 2025 | 11.09% |
| Q3 2025 | 11.22% |
| Q4 2025 | 11.27% |
| Q1 2026 | 11.23% |
| Q2 2026 | 11.51% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.02% |
| Q3 2024 | 0.03% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.92% |
| Q3 2024 | 1.08% |
| Q4 2024 | 1.13% |
| Q1 2025 | 1.20% |
| Q2 2025 | 1.21% |
| Q3 2025 | 1.22% |
| Q4 2025 | 1.25% |
| Q1 2026 | 1.47% |
| Q2 2026 | 1.53% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 79 | $892.9M | 11.51% | 0.00% | 1.53% | 92.9% |
| Q1 2026 | 78 | $905.4M | 11.23% | 0.00% | 1.47% | 89.8% |
| Q4 2025 | 76 | $905.6M | 11.27% | 0.00% | 1.25% | 93.9% |
| Q3 2025 | 76 | $879.7M | 11.22% | 0.00% | 1.22% | 95.4% |
| Q2 2025 | 75 | $879.2M | 11.09% | 0.00% | 1.21% | 92.8% |
| Q1 2025 | 75 | $869.0M | 10.88% | 0.00% | 1.20% | 88.6% |
| Q4 2024 | 72 | $890.0M | 10.65% | 0.00% | 1.13% | 95.4% |
| Q3 2024 | 71 | $887.1M | 10.49% | 0.03% | 1.08% | 101.1% |
| Q2 2024 | 71 | $884.2M | 10.60% | 0.02% | 0.92% | 99.6% |
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 Kansas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Legacy BankBank Colwich, KS | 74 out of 100, Strong | $865.0M | 10.6% | 0.06% | vs |
| Community National BankBank Seneca, KS | 67 out of 100, Moderate | $853.1M | 9.7% | 1.47% | vs |
| Dream First Bank, National AssociationBank Syracuse, KS | 55 out of 100, Moderate | $963.7M | 9.7% | 1.86% | vs |
| First Option BankBank Osawatomie, KS | 68 out of 100, Moderate | $817.6M | 8.2% | 0.02% | vs |
| The Western State BankBank Garden City, KS | 49 out of 100, Below average | $802.1M | 10.7% | 3.04% | vs |
| Union State BankBank Arkansas City, KS | 76 out of 100, Strong | $719.1M | 10.2% | 0.19% | vs |
Deposit insurance
Is my money safe at United Bank & Trust?
Yes. United Bank & Trust is an FDIC-insured institution (FDIC certificate #17477). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 23.5% of deposits ($168.1M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.51%, 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%).
16 locations
Branches
United Bank & Trust lists 12 offices in 11 cities. Most locations:
- Concordia, KS (2)
- Beattie, KS (1)
- Belleville, KS (1)
- Clay Center, KS (1)
- Clyde, KS (1)
- Linn, KS (1)
- Manhattan, KS (1)
- Marysville, KS (1)
- Sabetha, KS (1)
- Seneca, KS (1)
- Washington, KS (1)
HMDA 2025
Mortgage lending
In 2025, United Bank & Trust reported 142 home-loan applications under HMDA (LEI 549300YGJL5TVDN6LR41): 115 originated ($17,815,000 total), 19 denied, and 8 withdrawn or closed by the applicant. Its denial rate on decided applications was 14.2%, 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 & Trust
- Former names
- The State Bank of Axtell, Kansas
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 17477
- RSSD ID
- 990352
- Primary regulator
- FED
- Holding company
- Ubt Bancshares Inc
- Established
- July 1, 1890
- Headquarters
- 823 Broadway, Marysville, KS 66508
- Website
- www.ubankonline.com
- Employees
- 108
Quick answers
United Bank & Trust: common questions
Is United Bank & Trust FDIC insured?
Yes. United Bank & Trust is an FDIC-insured institution (FDIC certificate #17477). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is United Bank & Trust's TellerScore?
79 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 & Trust ever failed?
There is no failure record for FDIC certificate #17477 in the FDIC failed bank list.
How many branches does United Bank & Trust have?
16 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Marysville
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The State Bank of BernBank Bern, KS | 95 out of 100, Very strong | $128.2M | 17.3% | 0.00% | vs |
| Heartland BankBank Geneva, NE | 80 out of 100, Strong | $911.1M | 10.3% | 0.13% | vs |
| First Commerce BankBank Marysville, KS | 79 out of 100, Strong | $138.5M | 11.8% | 0.26% | vs |
| The Citizens State Bank and Trust CompanyBank Council Grove, KS | 75 out of 100, Strong | $96.1M | 9.0% | 0.11% | vs |
| Western National BankBank Chester, NE | 74 out of 100, Strong | $257.4M | 9.1% | 0.02% | vs |
| Union State BankBank Clay Center, KS | 73 out of 100, Strong | $206.2M | 10.3% | 0.00% | vs |