Union Bank & Trust Company: how it compares with its peers
Against 35 AR banks with half to twice its assets, Union Bank & Trust Company's strongest measure in Q2 2026 is return on assets (1.57% vs. a 1.21% peer median). Its weakest relative measure is assets per employee ($6.1M vs. $6.2M).
| Measure | Union Bank & Trust Company | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.57% | 1.21% | Top third Ahead of 69% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.19% | 4.14% | Middle third Ahead of 51% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 57.49% | 62.38% | Middle third Ahead of 60% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.1M | $6.2M | Middle third Ahead of 49% of peers |
| Loans to deposits Net loans and leases over total deposits. | 85.82% | 80.91% | Context |
What it means for lending operations
Its efficiency ratio of 57.49% is better than the 62.38% 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
- Today's Bank Huntsville, AR · $351M
- Commercial Bank & Trust Company Monticello, AR · $364M
- Bank of 1889 Berryville, AR · $339M
- Bank of England England, AR · $332M
- Merchants & Planters' Bank Newport, AR · $379M
- First State Bank Lonoke, AR · $328M
Questions about Union Bank & Trust Company
How big is Union Bank & Trust Company?
Union Bank & Trust Company, established in 1887, is headquartered in Monticello, AR. It reported $356M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is Union Bank & Trust Company's return on assets?
1.57% annualized in Q2 2026, against a 1.21% median for 35 AR banks with half to twice its assets, ahead of 69% of them.
What is Union Bank & Trust Company's efficiency ratio?
57.49% in Q2 2026: it spent about 57 cents in noninterest expense for each dollar of revenue. The peer median is 62.38%, and lower is better.
Is Union Bank & Trust Company growing its loans?
Net loans grew 9.2% over the year to Q2 2026, while deposits grew 9.3%.
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 AR 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 Arkansas bank ranked.