United Bank&Trust (FDIC #17477): Bank Stress & Real-Estate Credit Exposure
United Bank&Trust (FDIC Cert #17477): bank stress 53/100, moderate, STABLE over 7 days; parent UBT BANCSHARES INC.
United Bank&Trust (#17477) lends in 7 counties across 1 state; United Bank&Trust (#17477) reaches 72 ZIP codes: Kansas 7 counties, 72 ZIPs.
United Bank&Trust (#17477) largest markets: Nemaha County, KS (64 branches, 16 ZIPs) (#17477), Republic County, KS (16 branches, 16 ZIPs) (#17477), Washington County, KS (30 branches, 15 ZIPs) (#17477), Riley County, KS (14 branches, 14 ZIPs) (#17477), Marshall County, KS (39 branches, 13 ZIPs) (#17477), Clay County, KS (20 branches, 10 ZIPs) (#17477).
United Bank&Trust (#17477) reports $892.9 million in total assets; United Bank&Trust (#17477) equity $106.5 million (11.9% of United Bank&Trust (#17477) assets); United Bank&Trust (#17477) domestic deposits $714.1 million; United Bank&Trust (#17477) net income $6.9 million; United Bank&Trust (#17477) return on assets 1.53%; United Bank&Trust (#17477) return on equity 13.22%; United Bank&Trust (#17477) net interest income $16.5 million; United Bank&Trust (#17477) call report June 30, 2026.
United Bank&Trust (#17477) noncurrent real-estate loans: none reported; United Bank&Trust (#17477) net charge-offs on real estate 0.01%.
United Bank&Trust (#17477) net interest margin 3.97% against an eight-quarter United Bank&Trust (#17477) average of 3.62% (United Bank&Trust (#17477) compression -0.35 points); United Bank&Trust (#17477) rate-exposure score 40/100, United Bank&Trust (#17477) fixed-rate trap 40/100; United Bank&Trust (#17477) risk type credit driven; United Bank&Trust (#17477) rate regime rates elevated, United Bank&Trust (#17477) snapshot October 19, 2026.
United Bank&Trust (#17477) stress score moved from 54.4 on June 22, 2026 to 53.2 on October 19, 2026; United Bank&Trust (#17477) ranged 53.2 to 54.4 over 116 snapshots.
United Bank&Trust (#17477) alerts: 7 counties; top United Bank&Trust (#17477) alert scores: Washington County, KS 35 (moderate); Belleville County, KS 19 (low); Clay Center County, KS 19 (low); Concordia County, KS 19 (low); Manhattan County, KS 19 (low).