United Bank of Union (FDIC certificate #14334) is based in Union, Missouri. Its Q2 2026 call report shows $577.5M in total assets and $491.1M in deposits and 3 offices.
United Bank of Union has a TellerScore of 48 out of 100 (below average) based on Q2 2026 data — higher than only 6% of its 2,650 banks with $100 million – $1 billion. Among 194 banks headquartered in Missouri, it ranks 184th. Earnings contributes the most (78/100, 1.46%); loan quality contributes the least (21/100, 2.36%).
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 (42 → 48), mostly because the loan quality component improved by 13 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 35 |
| Q3 2024 | 36 |
| Q4 2024 | 37 |
| Q1 2025 | 41 |
| Q2 2025 | 42 |
| Q3 2025 | 43 |
| Q4 2025 | 46 |
| Q1 2026 | 46 |
| Q2 2026 | 48 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.89% |
| Q3 2024 | 8.96% |
| Q4 2024 | 8.80% |
| Q1 2025 | 9.06% |
| Q2 2025 | 9.43% |
| Q3 2025 | 9.41% |
| Q4 2025 | 9.51% |
| Q1 2026 | 9.37% |
| Q2 2026 | 9.65% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 3.28% |
| Q3 2024 | 3.16% |
| Q4 2024 | 2.64% |
| Q1 2025 | 2.75% |
| Q2 2025 | 2.77% |
| Q3 2025 | 2.73% |
| Q4 2025 | 2.54% |
| Q1 2026 | 2.45% |
| Q2 2026 | 2.36% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.95% |
| Q3 2024 | 1.02% |
| Q4 2024 | 0.70% |
| Q1 2025 | 1.18% |
| Q2 2025 | 1.26% |
| Q3 2025 | 1.34% |
| Q4 2025 | 1.37% |
| Q1 2026 | 1.35% |
| Q2 2026 | 1.46% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 48 | $577.5M | 9.65% | 2.36% | 1.46% | 96.9% |
| Q1 2026 | 46 | $583.3M | 9.37% | 2.45% | 1.35% | 96.1% |
| Q4 2025 | 46 | $561.9M | 9.51% | 2.54% | 1.37% | 97.8% |
| Q3 2025 | 43 | $575.4M | 9.41% | 2.73% | 1.34% | 95.6% |
| Q2 2025 | 42 | $562.3M | 9.43% | 2.77% | 1.26% | 95.8% |
| Q1 2025 | 41 | $566.7M | 9.06% | 2.75% | 1.18% | 93.7% |
| Q4 2024 | 37 | $570.5M | 8.80% | 2.64% | 0.70% | 96.3% |
| Q3 2024 | 36 | $583.6M | 8.96% | 3.16% | 1.02% | 96.0% |
| Q2 2024 | 35 | $576.4M | 8.89% | 3.28% | 0.95% | 94.4% |
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 Missouri
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Table Rock Community BankBank Kimberling City, MO | 65 out of 100, Moderate | $568.9M | 8.3% | 0.24% | vs |
| Farmers Bank of Northern MissouriBank Unionville, MO | 83 out of 100, Strong | $566.5M | 12.7% | 0.26% | vs |
| Regional Missouri BankBank Marceline, MO | 84 out of 100, Strong | $597.4M | 11.6% | 0.07% | vs |
| The Maries County BankBank Vienna, MO | 89 out of 100, Very strong | $600.5M | 14.8% | 0.12% | vs |
| Belgrade State BankBank Belgrade, MO | 74 out of 100, Strong | $548.0M | 10.1% | 0.35% | vs |
| First State Bank of St. Charles, MissouriBank St. Charles, MO | 85 out of 100, Very strong | $535.2M | 15.6% | 0.40% | vs |
Deposit insurance
Is my money safe at United Bank of Union?
Yes. United Bank of Union is an FDIC-insured institution (FDIC certificate #14334). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 26.9% of deposits ($131.9M) 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 9.65%, 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%).
3 locations
Branches
United Bank of Union lists 3 offices in 1 city. Most locations:
- Union, MO (3)
Identity & history
Profile
- Legal name
- United Bank of Union
- Type
- State-chartered bank
- FDIC certificate #
- 14334
- RSSD ID
- 562058
- Primary regulator
- FDIC
- Holding company
- Cardinal Bcorp II Inc
- Established
- March 22, 1934
- Headquarters
- 15 E Main St, Union, MO 63084
- Website
- www.ubu.bank
- Employees
- 84
Quick answers
United Bank of Union: common questions
Is United Bank of Union FDIC insured?
Yes. United Bank of Union is an FDIC-insured institution (FDIC certificate #14334). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is United Bank of Union's TellerScore?
48 out of 100 (Below average), 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 of Union ever failed?
There is no failure record for FDIC certificate #14334 in the FDIC failed bank list.
How many branches does United Bank of Union have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Union
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Lindell Bank & Trust CompanyBank St. Louis, MO | 92 out of 100, Very strong | $915.2M | 18.0% | 0.58% | vs |
| Legends BankBank Linn, MO | 90 out of 100, Very strong | $635.5M | 18.3% | 0.51% | vs |
| Town & Country BankBank Salem, MO | 86 out of 100, Very strong | $747.7M | 12.4% | 0.35% | vs |
| Farmers and Merchants Bank of St. ClairBank Saint Clair, MO | 84 out of 100, Strong | $343.5M | 12.8% | 0.00% | vs |
| The Bank of HoustonBank Houston, MO | 82 out of 100, Strong | $67.4M | 14.1% | 0.16% | vs |
| Peoples BankBank Cuba, MO | 80 out of 100, Strong | $248.7M | 11.0% | 0.23% | vs |