United Bank and Trust Company is a state-chartered bank headquartered in Hampton, Iowa, in business for about 111 years. At the end of Q2 2026 it reported $228.4M in total assets and $199.7M in deposits, with 4 offices.
Based on its Q2 2026 filing, United Bank and Trust Company scores 97/100, which we describe as very strong. That is higher than 100% of 2,650 banks with $100 million – $1 billion. Among 226 banks headquartered in Iowa, it ranks 3rd. Its five components are fairly even, ranging from 93 to 100 out of 100.
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 (93 → 97), mostly because the earnings component improved by 13 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 93 |
| Q3 2024 | 94 |
| Q4 2024 | 94 |
| Q1 2025 | 93 |
| Q2 2025 | 93 |
| Q3 2025 | 96 |
| Q4 2025 | 95 |
| Q1 2026 | 95 |
| Q2 2026 | 97 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 14.73% |
| Q3 2024 | 15.17% |
| Q4 2024 | 14.97% |
| Q1 2025 | 14.60% |
| Q2 2025 | 14.66% |
| Q3 2025 | 14.73% |
| Q4 2025 | 14.38% |
| Q1 2026 | 14.73% |
| Q2 2026 | 14.83% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.01% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.23% |
| Q3 2025 | 0.01% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.33% |
| Q3 2024 | 1.36% |
| Q4 2024 | 1.39% |
| Q1 2025 | 1.31% |
| Q2 2025 | 1.53% |
| Q3 2025 | 1.63% |
| Q4 2025 | 1.69% |
| Q1 2026 | 1.60% |
| Q2 2026 | 1.84% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 97 | $228.4M | 14.83% | 0.00% | 1.84% | 60.9% |
| Q1 2026 | 95 | $227.6M | 14.73% | 0.00% | 1.60% | 61.0% |
| Q4 2025 | 95 | $227.2M | 14.38% | 0.00% | 1.69% | 59.1% |
| Q3 2025 | 96 | $219.8M | 14.73% | 0.01% | 1.63% | 60.4% |
| Q2 2025 | 93 | $215.8M | 14.66% | 0.23% | 1.53% | 59.9% |
| Q1 2025 | 93 | $212.9M | 14.60% | 0.00% | 1.31% | 60.0% |
| Q4 2024 | 94 | $205.5M | 14.97% | 0.00% | 1.39% | 63.3% |
| Q3 2024 | 94 | $200.1M | 15.17% | 0.01% | 1.36% | 64.8% |
| Q2 2024 | 93 | $201.8M | 14.73% | 0.00% | 1.33% | 62.2% |
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 |
|---|---|---|---|---|---|
| Charter BankBank Johnston, IA | 83 out of 100, Strong | $227.5M | 11.0% | 0.00% | vs |
| Blue Grass Savings BankBank Blue Grass, IA | 89 out of 100, Very strong | $225.5M | 14.3% | 0.34% | vs |
| WCF Financial BankBank Webster City, IA | 23 out of 100, Low | $224.4M | 8.3% | 5.11% | vs |
| West Iowa BankBank West Bend, IA | 82 out of 100, Strong | $222.1M | 11.9% | 0.01% | vs |
| Farmers State BankBank Northwood, IA | 74 out of 100, Strong | $221.4M | 12.7% | 0.77% | vs |
| BankBank Wapello, IA | 60 out of 100, Moderate | $217.4M | 8.7% | 0.78% | vs |
Deposit insurance
Is my money safe at United Bank and Trust Company?
Yes. United Bank and Trust Company is an FDIC-insured institution (FDIC certificate #14247). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 20.6% of deposits ($41.1M) 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 14.83%, 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%).
4 locations
Branches
United Bank and Trust Company lists 4 offices in 4 cities. Most locations:
- Alden, IA (1)
- Dows, IA (1)
- Hampton, IA (1)
- Sheffield, IA (1)
Identity & history
Profile
- Legal name
- United Bank and Trust Company
- Former names
- Sheffield Savings Bank; Hansell Savings Bank
- Type
- State-chartered bank
- FDIC certificate #
- 14247
- RSSD ID
- 116741
- Primary regulator
- FDIC
- Holding company
- J E Coonley Co
- Established
- January 1, 1915
- Headquarters
- 400 Central Ave E, Hampton, IA 50441
- Website
- www.ubtc.net
- Employees
- 23
Quick answers
United Bank and Trust Company: common questions
Is United Bank and Trust Company FDIC insured?
Yes. United Bank and Trust Company is an FDIC-insured institution (FDIC certificate #14247). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is United Bank and Trust Company's TellerScore?
97 out of 100 (Very 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 and Trust Company ever failed?
There is no failure record for FDIC certificate #14247 in the FDIC failed bank list.
How many branches does United Bank and Trust Company have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Hampton
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| GNB BankBank Grundy Center, IA | 76 out of 100, Strong | $621.3M | 12.2% | 0.62% | vs |
| First Bank HamptonBank Hampton, IA | 74 out of 100, Strong | $240.9M | 11.6% | 0.65% | vs |
| Green Belt Bank & TrustBank Iowa Falls, IA | 71 out of 100, Strong | $758.7M | 9.2% | 0.04% | vs |
| Iowa Falls State BankBank Iowa Falls, IA | 71 out of 100, Strong | $201.5M | 8.6% | 0.25% | vs |
| First Security Bank and Trust CompanyBank Charles City, IA | 68 out of 100, Moderate | $538.2M | 10.0% | 0.27% | vs |
| Iowa State BankBank Clarksville, IA | 61 out of 100, Moderate | $392.9M | 11.0% | 2.66% | vs |