United Bank & Trust Co. (FDIC certificate #57391) is based in Marshalltown, Iowa. Its Q2 2026 call report shows $120.1M in total assets and $106.7M in deposits and 2 offices.
United Bank & Trust Co. has a TellerScore of 63 out of 100 (moderate) based on Q2 2026 data — higher than only 24% of its 2,650 banks with $100 million – $1 billion. Among 226 banks headquartered in Iowa, it ranks 181st. Funding & liquidity contributes the most (83/100, 64% loans-to-deposits, 27% uninsured); loan quality contributes the least (48/100, 1.57%).
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 3 points (60 → 63), mostly because the capital cushion component improved by 7 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 55 |
| Q3 2024 | 56 |
| Q4 2024 | 56 |
| Q1 2025 | 58 |
| Q2 2025 | 60 |
| Q3 2025 | 61 |
| Q4 2025 | 63 |
| Q1 2026 | 62 |
| Q2 2026 | 63 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.79% |
| Q3 2024 | 9.88% |
| Q4 2024 | 9.60% |
| Q1 2025 | 9.58% |
| Q2 2025 | 9.77% |
| Q3 2025 | 10.15% |
| Q4 2025 | 10.21% |
| Q1 2026 | 10.52% |
| Q2 2026 | 10.46% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.64% |
| Q3 2024 | 1.60% |
| Q4 2024 | 1.61% |
| Q1 2025 | 1.50% |
| Q2 2025 | 1.48% |
| Q3 2025 | 1.52% |
| Q4 2025 | 1.48% |
| Q1 2026 | 1.75% |
| Q2 2026 | 1.57% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.74% |
| Q3 2024 | 0.79% |
| Q4 2024 | 0.88% |
| Q1 2025 | 0.95% |
| Q2 2025 | 1.08% |
| Q3 2025 | 1.18% |
| Q4 2025 | 1.22% |
| Q1 2026 | 1.29% |
| Q2 2026 | 1.24% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 63 | $120.1M | 10.46% | 1.57% | 1.24% | 63.7% |
| Q1 2026 | 62 | $119.6M | 10.52% | 1.75% | 1.29% | 64.4% |
| Q4 2025 | 63 | $122.9M | 10.21% | 1.48% | 1.22% | 62.7% |
| Q3 2025 | 61 | $119.9M | 10.15% | 1.52% | 1.18% | 66.3% |
| Q2 2025 | 60 | $121.3M | 9.77% | 1.48% | 1.08% | 67.3% |
| Q1 2025 | 58 | $124.2M | 9.58% | 1.50% | 0.95% | 66.6% |
| Q4 2024 | 56 | $130.3M | 9.60% | 1.61% | 0.88% | 59.3% |
| Q3 2024 | 56 | $123.0M | 9.88% | 1.60% | 0.79% | 67.4% |
| Q2 2024 | 55 | $119.9M | 9.79% | 1.64% | 0.74% | 68.1% |
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 Iowa
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Security State BankBank Radcliffe, IA | 44 out of 100, Below average | $119.0M | 8.3% | 2.88% | vs |
| Twin Cedars BankBank Bussey, IA | 29 out of 100, Low | $118.3M | 9.2% | 4.61% | vs |
| Solon State BankBank Solon, IA | 45 out of 100, Below average | $122.5M | 23.0% | 11.69% | vs |
| Farmers and Merchants Savings BankBank Iowa City, IA | 83 out of 100, Strong | $122.5M | 13.6% | 0.00% | vs |
| Pocahontas State BankBank Pocahontas, IA | 71 out of 100, Strong | $122.6M | 26.4% | 1.93% | vs |
| First Community BankBank Newell, IA | 64 out of 100, Moderate | $115.7M | 9.4% | 1.32% | vs |
Deposit insurance
Is my money safe at United Bank & Trust Co.?
Yes. United Bank & Trust Co. is an FDIC-insured institution (FDIC certificate #57391). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 27.3% of deposits ($29.1M) 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 10.46%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 17.70% (benchmark: 10%).
2 locations
Branches
United Bank & Trust Co. lists 2 offices in 1 city. Most locations:
- Marshalltown, IA (2)
Identity & history
Profile
- Legal name
- United Bank & Trust Co.
- Former names
- United Bank & Trust National Association
- Type
- State-chartered bank
- FDIC certificate #
- 57391
- RSSD ID
- 3103591
- Primary regulator
- FDIC
- Holding company
- Ames National Corp
- Established
- June 21, 2002
- Headquarters
- 2101 S Center St, Marshalltown, IA 50158
- Website
- www.bankubt.com
- Employees
- 16
Quick answers
United Bank & Trust Co.: common questions
Is United Bank & Trust Co. FDIC insured?
Yes. United Bank & Trust Co. is an FDIC-insured institution (FDIC certificate #57391). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is United Bank & Trust Co.'s TellerScore?
63 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 United Bank & Trust Co. ever failed?
There is no failure record for FDIC certificate #57391 in the FDIC failed bank list.
How many branches does United Bank & Trust Co. have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Marshalltown
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Farmers Savings BankBank Marshalltown, IA | 85 out of 100, Very strong | $140.3M | 16.5% | 0.57% | vs |
| Pinnacle BankBank Marshalltown, IA | 82 out of 100, Strong | $324.4M | 14.7% | 0.75% | vs |
| GNB BankBank Grundy Center, IA | 76 out of 100, Strong | $621.3M | 12.2% | 0.62% | vs |
| First State BankBank Lynnville, IA | 75 out of 100, Strong | $384.2M | 9.8% | 0.21% | vs |
| Citizens Savings BankBank Marshalltown, IA | 74 out of 100, Strong | $77.9M | 9.9% | 0.00% | vs |
| Exchange State BankBank Ames, IA | 71 out of 100, Strong | $146.0M | 11.2% | 1.00% | vs |