Union Bank & Trust Company


Union Bank & Trust Company is an FDIC insured institution headquartered at 102 W Mccloy St, Monticello, AR 71655.
It was founded in 1887 and has approximately $0 billion in assets. Customers can open an account at one of its 4 branches.

Deposit Rates - October 30, 2025

SAVINGS RATES APY MIN
Savings
0.10% $2,500 Compare
CD RATES APY MIN
6 Mo CD
0.35% $10,000 Compare
6 Mo CD
0.35% $100,000 Compare
12 Mo CD
0.55% $10,000 Compare
12 Mo CD
0.55% $100,000 Compare
24 Mo CD
0.60% $10,000 Compare
24 Mo CD
0.60% $100,000 Compare
36 Mo CD
0.75% $10,000 Compare
36 Mo CD
0.75% $100,000 Compare
INT CHECKING RATES APY MIN
Int Ckg
0.10% $2,500

Overview 2025

General Bank Information

FDIC Insured Yes
FDIC Certificate # 1753
Date Established 1887
Assets $ 324.26 million
Loans $ 252.02 million
Deposits $ 293.64 million
Capital $ 26.67 million

Summary Balance Sheet as of June 30, 2025

ASSETS
Cash & Balances due from depository institutions $ 10.83 million
Interest-bearing balances $ 5.23 million
Total securities $ 46.84 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 252.02 million
Loan loss allowance $ 4.33 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.13 million
Goodwill and other intangibles N.A.
All other assets $ 9.90 million
     Total Assets $ 297.59 million

LIABILITIES
Total deposits $ 293.64 million
      Interest-bearing deposits $ 237.31 million
      Deposits held in domestic offices $ 293.64 million
      % insured (estimated)" 78.34%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 7.08 million
Subordinated debt N.A.
All other liabilities $ 1.80 millionn
      Total Liabilities $ 297.59 million
      Shareholders’ Equity $ 26.67 million

Summary Income Statement as of June 30, 2025

INCOME AND EXPENSES
Total Interest Income $ 9.20 million
Total Interest Expense $ 3.16 million
Net interest income $ 6.04 million
Provision for loan and lease losses $ 0.39 million
Total non interest income $ 1.14 million
Total non interest expense $ 4.37 million
Pre-tax Net Operating Income $ 2.37 million

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Branches

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Union Bank & Trust Company Locations