United Bank and Trust Company: how it compares with its peers
Against 115 IA banks with half to twice its assets, United Bank and Trust Company's strongest measure in Q2 2026 is efficiency ratio (43.58% vs. a 55.05% peer median). Its weakest relative measure is net interest margin (3.40% vs. 3.64%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.84% | 1.40% | Top third Ahead of 83% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.40% | 3.64% | Middle third Ahead of 36% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 43.58% | 55.05% | Top third Ahead of 85% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.9M | $8.5M | Top third Ahead of 73% of peers |
| Loans to deposits Net loans and leases over total deposits. | 60.93% | 79.70% | Context |
What it means for lending operations
Its efficiency ratio of 43.58% is better than the 55.05% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Charter Bank Johnston, IA · $228M
- Blue Grass Savings Bank Blue Grass, IA · $225M
- WCF Financial Bank Webster City, IA · $224M
- West Iowa Bank West Bend, IA · $222M
- Farmers State Bank Northwood, IA · $221M
- BANK Wapello, IA · $217M
Questions about United Bank and Trust Company
How big is United Bank and Trust Company?
United Bank and Trust Company, established in 1915, is headquartered in Hampton, IA. It reported $228M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is United Bank and Trust Company's return on assets?
1.84% annualized in Q2 2026, against a 1.40% median for 115 IA banks with half to twice its assets, ahead of 83% of them.
What is United Bank and Trust Company's efficiency ratio?
43.58% in Q2 2026: it spent about 44 cents in noninterest expense for each dollar of revenue. The peer median is 55.05%, and lower is better.
Is United Bank and Trust Company growing its loans?
Net loans grew 7.3% over the year to Q2 2026, while deposits grew 5.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Iowa bank ranked.