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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Springdale, AR · FDIC certificate #32025
UNITED BANK is an FDIC-insured institution based in Springdale, AR (FDIC certificate #32025). In its Q3 2026 Call Report it reported total assets of $292M, total deposits of $257M and net loans of $235M. Its primary federal regulator is FED.
Plain-language readout
UNITED BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $319M in Q1 2026 and were lowest at $292M in Q3 2026.
Total deposits were highest at $284M in Q1 2026 and lowest at $257M in Q3 2026.
Over the whole period total assets fell 8.4%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $292M | $257M | $235M | 1.25% | 11.93% | 4.47% |
| Q2 2026 | $296M | $260M | $244M | 1.20% | 11.53% | 4.47% |
| Q1 2026 | $319M | $284M | $245M | 1.13% | 11.17% | 4.38% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $23.8M | $47.8M | -$24.0M | -50.2% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $16.9M | $14.9M | +$2.0M | +13.3% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $243.7M | $245.1M | -$1.4M | -0.6% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $7.3M | $7.4M | -$129K | -1.7% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $4.3M | $4.3M | +$49K | +1.1% |
| Total assets | $296.0M | $319.5M | -$23.5M | -7.4% |
| Liabilities | ||||
| Total deposits | $260.3M | $284.0M | -$23.7M | -8.4% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $124K | $159K | -$35K | -22.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $3.6M | $3.8M | -$162K | -4.3% |
| Total liabilities | $264.0M | $287.9M | -$23.9M | -8.3% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $100K | $100K | $0K | 0.0% |
| Surplus | $13.3M | $13.3M | +$24K | +0.2% |
| Retained earnings | $18.8M | $18.3M | +$495K | +2.7% |
| Accumulated other comprehensive income | -$273K | -$200K | -$73K | -36.5% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $32.0M | $31.5M | +$446K | +1.4% |
| Credit and capital | ||||
| Gross nonperforming assets | $255K | $294K | -$39K | -13.3% |
| Adjusted nonperforming assets | $255K | $294K | -$39K | -13.3% |
| Tangible equity plus allowance | $35.9M | $35.4M | +$447K | +1.3% |
| Texas ratio (gross) | 0.71% | 0.83% | -0.12 pts | See points |
| Texas ratio (adjusted) | 0.71% | 0.83% | -0.12 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.71% | 0.83% | -0.12 pts | See points |
| Tier 1 capital to risk-weighted assets | 13.43% | 13.09% | +0.34 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 13.43% | 13.09% | +0.34 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.26% | 1.26% | +0.00 pts | See points |
| Total risk-based capital to risk-weighted assets | 14.69% | 14.34% | +0.34 pts | See points |
| Tier 1 leverage (approximate) | 10.66% | 10.37% | +0.29 pts | See points |
| Construction and land loans to total capital | 155.86% | 158.41% | -2.55 pts | See points |
| Commercial real estate to total capital | 275.02% | 287.66% | -12.64 pts | See points |
| Dividend payout, year to date | 46.73% | 45.71% | +1.01 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -0.85% | -0.63% | -0.22 pts | See points |
| Liquidity | ||||
| Core deposits | $233.1M | $246.8M | -$13.7M | -5.5% |
| Non-core funding | $27.2M | $37.4M | -$10.1M | -27.1% |
| Loans to core deposits | 106.19% | 100.88% | +5.31 pts | See points |
| Loans to deposits | 95.13% | 87.67% | +7.46 pts | See points |
| Brokered deposits share of deposits | 4.48% | 6.95% | -2.47 pts | See points |
| Pledged securities share of securities | 39.28% | 42.22% | -2.95 pts | See points |
| Loans pledged, share of loans | 50.48% | 41.87% | +8.61 pts | See points |
| Volatile liabilities | $27.2M | $37.4M | -$10.1M | -27.1% |
| Earnings | ||||
| Earnings before provision, year to date | $1.9M | $935K | +$944K | +101.0% |
| Earnings before provision, single quarter | $944K | $935K | +$9K | +1.0% |
| Provision for credit losses, year to date | $60K | $60K | $0K | 0.0% |
| Yield and cost | ||||
| Yield on loans and leases | 7.26% | 7.23% | +0.03 pts | See points |
| Yield on interest-bearing balances due from banks | 4.05% | 4.05% | +0.00 pts | See points |
| Total interest income to average assets | 6.49% | 6.44% | +0.05 pts | See points |
| Cost of interest-bearing transaction accounts | 2.12% | 2.04% | +0.08 pts | See points |
| Cost of savings and money market deposits | 2.60% | 2.57% | +0.03 pts | See points |
| Cost of time deposits | 3.87% | 3.94% | -0.07 pts | See points |
| Total interest expense to average assets | 2.32% | 2.37% | -0.05 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $292M | $257M | $235M | 1.25% | 11.93% | 4.47% |
| 2026-06-30 | $296M | $260M | $244M | 1.20% | 11.53% | 4.47% |
| 2026-03-31 | $319M | $284M | $245M | 1.13% | 11.17% | 4.38% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| AR | $253.1M | 0.24% | 63 | Continuing · +0.01 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.