BlastPoint's Banking Scorecard
United Bank and Trust Company
Micro
Specialty: Agricultural
IA
FDIC cert 14247
Designations: ✓ Community bank
Hampton, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
United Bank and Trust Company shows strong momentum with 1 strength and 10.6% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 23.84% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$227.2M
+10.6% YoY
+3.4% QoQ
|
+$9.7M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
57% |
| Total Loans ? |
$117.9M
+3.1% YoY
+2.1% QoQ
|
-$21.2M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
49% |
| Total Deposits ? |
$199.6M
+10.4% YoY
+4.4% QoQ
|
+$16.0M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
59% |
| Return on Assets ? |
1.69%
+22.0% YoY
+3.7% QoQ
|
+0.61% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
82% |
| Net Interest Margin ? |
3.14%
+10.1% YoY
+1.8% QoQ
|
-0.72% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
20% |
| Efficiency Ratio ? |
43.89%
-10.3% YoY
-2.4% QoQ
|
-23.84% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
Top 4% in tier |
| Delinquency Rate ? |
0.00%
-3.0% YoY
-81.6% QoQ
|
-0.64% |
0.64%
+24.4% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
82% |
| Loan-to-Deposit Ratio ? |
59.08%
-6.6% YoY
-2.1% QoQ
|
-15.44% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
77% |
| Non-Interest-Bearing Deposit Share ? |
16.33%
-12.0% YoY
-6.6% QoQ
|
-6.06% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
27% |
| Nonperforming Asset Ratio ? |
0.00%
-9.6% YoY
-81.9% QoQ
|
-0.45% |
0.45%
+25.1% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
83% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.15%
-5.7% YoY
+30.9% QoQ
|
-0.41% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
15% |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 4%
in Micro
Why this stands out
Current:
43.89%
(Tier avg: 67.73%, National avg: 65.09%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
96
96th pctile
Efficiency Ratio
Current: 43.89% · Tier avg: 67.73%
83
83th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
82
82th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
82
82th pctile
Return on Assets
Current: 1.69% · Tier avg: 1.08%
77
77th pctile
Loan-to-Deposit Ratio
Current: 59.08% · Tier avg: 74.53%
59
59th pctile
Total Deposits
Current: $199.6M · Tier avg: $183.7M
57
57th pctile
Total Assets
Current: $227.2M · Tier avg: $217.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
49
49th pctile
Total Loans
Current: $117.9M · Tier avg: $139.2M
27
27th pctile
Non-Interest-Bearing Deposit Share
Current: 16.33% · Tier avg: 22.39%
20
20th pctile
Net Interest Margin
Current: 3.14% · Tier avg: 3.85%
15
15th pctile
Non-Interest Income / Assets
Current: 0.15% · Tier avg: 0.56%
Top Weaknesses
15
15th pctile
Non-Interest Income / Assets
Current: 0.15% · Tier avg: 0.56%
20
20th pctile
Net Interest Margin
Current: 3.14% · Tier avg: 3.85%
27
27th pctile
Non-Interest-Bearing Deposit Share
Current: 16.33% · Tier avg: 22.39%
49
49th pctile
Total Loans
Current: $117.9M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
57
57th pctile
Total Assets
Current: $227.2M · Tier avg: $217.5M
59
59th pctile
Total Deposits
Current: $199.6M · Tier avg: $183.7M
77
77th pctile
Loan-to-Deposit Ratio
Current: 59.08% · Tier avg: 74.53%
82
82th pctile
Return on Assets
Current: 1.69% · Tier avg: 1.08%
82
82th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
83
83th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
96
96th pctile
Efficiency Ratio
Current: 43.89% · Tier avg: 67.73%