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United Bank of Union

Union, MO
IDRSSD: 562058
Total Assets
$575.39M
Latest filing
Total Deposits
$483.54M
Latest filing
Net Interest Margin
4.05%
Profitability
0

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 ClassCommercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date03/22/1934
Community BankYes
Ownership TypeNot Mutual
ZIP63084
State and County Number29071
Subchapter S CorporationsYes
Trust PowersN/A
Federal Reserve ID Number08
Numeric code21
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictKansas City
Core Based Statistical Area NameSt. Louis, MO-IL

Operational Info

Number of Employees83
Domestic Offices3
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date08/31/2022
Date of Deposit Insurance05/07/1934
Primary Insurance AgencyDIF
Websitehttp://www.ubu.bank
Data Updated11/14/2025
CERT14334
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$575.39M
Total Deposits$483.54M
Total Liabilities$529.71M
Total Equity Capital$45.68M
Net Income$2.13M
Net Loans and Leases$462.12M
Assets Per Employee ($Millions)$7.19M
Bank Premises and Fixed Assets$9.71M
Cash and Balances due from Depository Institutions$29.55M
Deposits Held in Domestic Offices$483.54M

Key Performance Ratios

Return on Assets (ROA)1.5%
Return on Equity (ROE)19.27%
Net Interest Margin4.05%
Efficiency Ratio60.01%
Tier 1 Risk-Based Capital Ratio0%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.25%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets7.939%
Earning Assets to total Assets95.64%

Income and Expense

Total Interest Income$8.59M
Total Noninterest Income$717.00k
Total Interest Expense$3.08M
Total Noninterest Expense$3.74M
Net Interest Income$5.51M
Pre-tax Net Operating Income$2.13M
Provision for Credit Losses$360.00k
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$0
Other borrowed funds$43.00M
Federal Funds Sold & Reverse Repurchase Agreement$1.00M
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$3.17M
Total Liabilities and Capital$575.39M

Securities

Securities$64.53M
Available-for-sale debt securities$64.53M
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 United Bank of Union?
$575.39M as of the latest filing.
How much are United Bank of Union's total deposits?
$483.54M in total deposits.
Where is United Bank of Union located?
Union, MO.
What is the Net Interest Margin?
4.05%.
How many domestic offices does it operate?
3.
When was it established?
03/22/1934.
What is the Return on Assets (ROA)?
1.5%.
How much are total loans and leases?
$462.12M (latest filing).
What is the total interest income (latest filing)?
$8.59M.