Union Bank & Trust Company
Monticello, AR
IDRSSD: 22048
Total Assets
$333.25M
Latest filing
Total Deposits
$300.40M
Latest filing
Net Interest Margin
4.20%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Union Bank & Trust Company
102 W Mccloy St
Monticello, AR 71655
Full Service - Brick and Mortar
Updated 11/14/2025Established 04/01/1887FDIC Certificate 1164
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Union Bank & Trust Company (Main) | 102 W Mccloy St | Monticello, AR |
| UNIVERSITY BRANCH | 569 Us 425 | Monticello, AR |
| WARREN BRANCH | 201 N Martin St | Warren, AR |
| EXPRESS BRANCH | 510 Us 425 North | Monticello, AR |
| WARREN EXPRESS BRANCH | 404 N Main St | Warren, AR |
Showing 4 of 4
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 04/01/1887 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 71655 |
| State and County Number | 05043 |
| Subchapter S Corporations | Yes |
| Trust Powers | Trust Powers Grandfathered |
| Federal Reserve ID Number | 08 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 53 |
| Domestic Offices | 5 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/01/2024 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.unionbnk.com |
| Data Updated | 11/14/2025 |
| CERT | 1753 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $333.25M |
| Total Deposits | $300.40M |
| Total Liabilities | $304.71M |
| Total Equity Capital | $28.54M |
| Net Income | $1.36M |
| Net Loans and Leases | $257.65M |
| Assets Per Employee ($Millions) | $6.06M |
| Bank Premises and Fixed Assets | $4.40M |
| Cash and Balances due from Depository Institutions | $12.62M |
| Deposits Held in Domestic Offices | $300.40M |
Key Performance Ratios
| Return on Assets (ROA) | 1.66% |
| Return on Equity (ROE) | 19.75% |
| Net Interest Margin | 4.2% |
| Efficiency Ratio | 58.45% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.3% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.564% |
| Earning Assets to total Assets | 93.85% |
Income and Expense
| Total Interest Income | $4.97M |
| Total Noninterest Income | $641.00k |
| Total Interest Expense | $1.73M |
| Total Noninterest Expense | $2.27M |
| Net Interest Income | $3.24M |
| Pre-tax Net Operating Income | $1.36M |
| Provision for Credit Losses | $250.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $115.00k |
| Other borrowed funds | $434.00k |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $51.00k |
| All Other Liabilities | $3.83M |
| Total Liabilities and Capital | $333.25M |
Securities
| Securities | $48.17M |
| Available-for-sale debt securities | $48.17M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Union Bank & Trust Company?
$333.25M as of the latest filing.
How much are Union Bank & Trust Company's total deposits?
$300.40M in total deposits.
Where is Union Bank & Trust Company located?
Monticello, AR.
What is the Net Interest Margin?
4.20%.
How many domestic offices does it operate?
5.
When was it established?
04/01/1887.
What is the Return on Assets (ROA)?
1.66%.
How much are total loans and leases?
$257.65M (latest filing).
What is the total interest income (latest filing)?
$4.97M.