United Bank & Trust: how it compares with its peers
Against 39 KS banks with half to twice its assets, United Bank & Trust's strongest measure in Q2 2026 is assets per employee ($8.3M vs. a $6.7M peer median). Its weakest relative measure is net interest margin (3.97% vs. 4.06%).
| Measure | United Bank & Trust | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.53% | 1.47% | Middle third Ahead of 54% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.97% | 4.06% | Middle third Ahead of 46% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 49.38% | 59.49% | Top third Ahead of 74% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.3M | $6.7M | Top third Ahead of 77% of peers |
| Loans to deposits Net loans and leases over total deposits. | 92.89% | 75.19% | Context |
What it means for lending operations
Its efficiency ratio of 49.38% is better than the 59.49% 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
- Legacy Bank Colwich, KS · $865M
- Community National Bank Seneca, KS · $853M
- Dream First Bank, National Association Syracuse, KS · $964M
- First Option Bank Osawatomie, KS · $818M
- The Western State Bank Garden City, KS · $802M
- Security State Bank Scott City, KS · $1.03B
Questions about United Bank & Trust
How big is United Bank & Trust?
United Bank & Trust, established in 1890, is headquartered in Marysville, KS. It reported $893M in total assets in its Q2 2026 FDIC call report and operates 16 offices.
What is United Bank & Trust's return on assets?
1.53% annualized in Q2 2026, against a 1.47% median for 39 KS banks with half to twice its assets, ahead of 54% of them.
What is United Bank & Trust's efficiency ratio?
49.38% in Q2 2026: it spent about 49 cents in noninterest expense for each dollar of revenue. The peer median is 59.49%, and lower is better.
Is United Bank & Trust growing its loans?
Net loans grew 3.1% over the year to Q2 2026, while deposits grew 3.0%.
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 KS 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 Kansas bank ranked.