United Bank of Union: how it compares with its peers
Against 71 MO banks with half to twice its assets, United Bank of Union's strongest measure in Q2 2026 is assets per employee ($6.9M vs. a $6.9M peer median). Its weakest relative measure is efficiency ratio (61.59% vs. 56.82%).
| Measure | United Bank of Union | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.46% | 1.58% | Middle third Ahead of 48% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.09% | 4.16% | Middle third Ahead of 39% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 61.59% | 56.82% | Bottom third Ahead of 28% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.9M | $6.9M | Middle third Ahead of 52% of peers |
| Loans to deposits Net loans and leases over total deposits. | 96.90% | 88.19% | Context |
What it means for lending operations
Its efficiency ratio of 61.59% is above the 56.82% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Table Rock Community Bank Kimberling City, MO · $569M
- Farmers Bank of Northern Missouri Unionville, MO · $567M
- Regional Missouri Bank Marceline, MO · $597M
- The Maries County Bank Vienna, MO · $600M
- Belgrade State Bank Belgrade, MO · $548M
- First State Bank of St. Charles, Missouri St. Charles, MO · $535M
Questions about United Bank of Union
How big is United Bank of Union?
United Bank of Union, established in 1934, is headquartered in Union, MO. It reported $578M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is United Bank of Union's return on assets?
1.46% annualized in Q2 2026, against a 1.58% median for 71 MO banks with half to twice its assets, ahead of 48% of them.
What is United Bank of Union's efficiency ratio?
61.59% in Q2 2026: it spent about 62 cents in noninterest expense for each dollar of revenue. The peer median is 56.82%, and lower is better.
Is United Bank of Union growing its loans?
Net loans grew 5.4% over the year to Q2 2026, while deposits grew 4.3%.
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 MO 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 Missouri bank ranked.