United Bank&Trust Co (FDIC #14247): Bank Stress & Real-Estate Credit Exposure

United Bank&Trust Co (FDIC Cert #14247): bank stress 45/100, moderate, STABLE over 7 days; parent J E COONLEY CO.

United Bank&Trust Co (#14247) lends in 3 counties across 1 state; United Bank&Trust Co (#14247) reaches 41 ZIP codes: Iowa 3 counties, 41 ZIPs.

United Bank&Trust Co (#14247) largest markets: Franklin County, IA (38 branches, 19 ZIPs) (#14247), Wright County, IA (16 branches, 16 ZIPs) (#14247), Hardin County, IA (13 branches, 13 ZIPs) (#14247).

United Bank&Trust Co (#14247) reports $228.4 million in total assets; United Bank&Trust Co (#14247) equity $28.2 million (12.4% of United Bank&Trust Co (#14247) assets); United Bank&Trust Co (#14247) domestic deposits $199.7 million; United Bank&Trust Co (#14247) net income $2.1 million; United Bank&Trust Co (#14247) return on assets 1.84%; United Bank&Trust Co (#14247) return on equity 15.27%; United Bank&Trust Co (#14247) net interest income $3.7 million; United Bank&Trust Co (#14247) call report June 30, 2026.

United Bank&Trust Co (#14247) noncurrent real-estate loans: none reported; United Bank&Trust Co (#14247) net charge-offs on real estate 0.00%.

United Bank&Trust Co (#14247) net interest margin 3.40% against an eight-quarter United Bank&Trust Co (#14247) average of 3.06% (United Bank&Trust Co (#14247) compression -0.33 points); United Bank&Trust Co (#14247) rate-exposure score 40/100, United Bank&Trust Co (#14247) fixed-rate trap 40/100; United Bank&Trust Co (#14247) risk type credit driven; United Bank&Trust Co (#14247) rate regime rates elevated, United Bank&Trust Co (#14247) snapshot October 20, 2026.

United Bank&Trust Co (#14247) stress score moved from 50.4 on June 22, 2026 to 45.4 on October 20, 2026; United Bank&Trust Co (#14247) ranged 45.4 to 50.4 over 117 snapshots.

United Bank&Trust Co (#14247) alerts: 3 counties; top United Bank&Trust Co (#14247) alert scores: Alden County, IA 18 (low); Dows County, IA 18 (low); Sheffield County, IA 18 (low).