BlastPoint's Banking Scorecard
United Bank & Trust
Community
Specialty: Agricultural
KS
FDIC cert 17477
Marysville, KS
1484
banks in Community tier nationally
38 in KS
View Community leaderboard (KS) →
United Bank & Trust has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.63% below tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 15% in Community
- - Capital Thin: Bottom 25% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$905.6M
+1.8% YoY
+2.9% QoQ
|
-$485.8M |
$1.4B
+2.0% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
43% |
| Total Loans ? |
$669.4M
+2.0% YoY
+3.5% QoQ
|
-$306.1M |
$975.5M
+2.4% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
47% |
| Total Deposits ? |
$713.1M
+3.6% YoY
+5.2% QoQ
|
-$451.5M |
$1.2B
+1.7% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
40% |
| Return on Assets ? |
1.25%
+10.6% YoY
+2.5% QoQ
|
+0.08% |
1.16%
+17.2% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
59% |
| Net Interest Margin ? |
3.67%
+11.6% YoY
+0.9% QoQ
|
+0.01% |
3.66%
+9.1% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
51% |
| Efficiency Ratio ? |
54.07%
-5.6% YoY
-1.6% QoQ
|
-8.56% |
62.63%
-5.3% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
74% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.63% |
0.63%
+18.3% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
93.86%
-1.6% YoY
-1.7% QoQ
|
+10.80% |
83.06%
+0.3% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
25% |
| Non-Interest-Bearing Deposit Share ? |
19.17%
-0.6% YoY
+6.2% QoQ
|
-1.88% |
21.05%
-0.9% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
45% |
| Nonperforming Asset Ratio ? |
0.10%
-11.6% YoY
-10.6% QoQ
|
-0.40% |
0.50%
+20.3% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
78% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
7.38%
-10.4% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.28%
-27.7% YoY
+26.9% QoQ
|
-0.46% |
0.74%
-1.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
21% |
Signature Analysis
Strengths (1)
Delinquency Rate
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.63%, National avg: 0.66%)
Concerns (2)
Liquidity Strain
risk
#77 of 513 · Bottom 15% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
93.86%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank declining
Capital Thin
risk
#108 of 432 · Bottom 25% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank declining
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%
78
78th pctile
Nonperforming Asset Ratio
Current: 0.10% · Tier avg: 0.50%
74
74th pctile
Efficiency Ratio
Current: 54.07% · Tier avg: 62.63%
59
59th pctile
Return on Assets
Current: 1.25% · Tier avg: 1.16%
51
51th pctile
Net Interest Margin
Current: 3.67% · Tier avg: 3.66%
47
47th pctile
Total Loans
Current: $669.4M · Tier avg: $975.5M
45
45th pctile
Non-Interest-Bearing Deposit Share
Current: 19.17% · Tier avg: 21.05%
43
43th pctile
Total Assets
Current: $905.6M · Tier avg: $1.4B
40
40th pctile
Total Deposits
Current: $713.1M · Tier avg: $1.2B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
25
25th pctile
Loan-to-Deposit Ratio
Current: 93.86% · Tier avg: 83.06%
21
21th pctile
Non-Interest Income / Assets
Current: 0.28% · Tier avg: 0.74%
Top Weaknesses
21
21th pctile
Non-Interest Income / Assets
Current: 0.28% · Tier avg: 0.74%
25
25th pctile
Loan-to-Deposit Ratio
Current: 93.86% · Tier avg: 83.06%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
40
40th pctile
Total Deposits
Current: $713.1M · Tier avg: $1.2B
43
43th pctile
Total Assets
Current: $905.6M · Tier avg: $1.4B
45
45th pctile
Non-Interest-Bearing Deposit Share
Current: 19.17% · Tier avg: 21.05%
47
47th pctile
Total Loans
Current: $669.4M · Tier avg: $975.5M
51
51th pctile
Net Interest Margin
Current: 3.67% · Tier avg: 3.66%
59
59th pctile
Return on Assets
Current: 1.25% · Tier avg: 1.16%
74
74th pctile
Efficiency Ratio
Current: 54.07% · Tier avg: 62.63%
78
78th pctile
Nonperforming Asset Ratio
Current: 0.10% · Tier avg: 0.50%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%