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Q2 2026 · read from the 30 June 2026 Call Report · United States · Plains · Kansas, the state note

United Bank & Trust

Marysville, Kansas · $893M in assets · beside the 11 other Kansas banks between $300M and $1B

The filing

0.00%
NPA / loans
1st of 12
384.0x
Coverage of noncurrent
1st of 12
94.1%
Loans / deposits
11th of 12

United Bank & Trust is the second largest of the 12 Kansas banks nearest its size between $300M and $1B, with $893M in assets at 30 June 2026. Loans are 94.1% of deposits, 11th of 12 against a median of 76.5%, and equity is 11.9% of assets, 2nd of 12. Loans grew +3.2% in the year, 7th of 12, and deposits grew 3.0%; the cohort's median loan growth is +4.4%.

Noncurrent loans are 0.00% of the book, the lowest in the cohort against a median of 0.21%; 0.71% is 30 to 89 days past due, and the allowance covers them 384.0 times. Commercial real estate is 12.8% of loans, 6th of 12 against a median of 19.3%, and 83% of capital, below the 300% screen, with construction at 12% against the 100% screen.

Return on assets is 1.52%, 6th of 12 against a median of 1.48%, on an efficiency ratio of 49.9%, 4th of 12. Five years ago it was 1.09%. The question is which of these lines moves first over the next four quarters, and against which peer.

Nonperforming loans, share of loansKS banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 0.21% UB United Bank & Trust 0.00% FO First Option Bank 0.02% FB First Bank Kansas 0.04% LB Legacy Bank 0.06% Bo Bank of Tescott 0.08% US Union State Bank 0.19% EB Exchange Bank & Trust 0.23% FM Farmers & Merchants Bank Colby 0.61% CN Community National Bank 1.47% DF Dream First Bank N.A. 1.86% WS Western State Bank 3.04% OB Outdoor Bank 3.83%
Loans, year over yearKS banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +4.4% DF Dream First Bank N.A. +14.7% LB Legacy Bank +12.5% FB First Bank Kansas +12.3% FM Farmers & Merchants Bank Colby +10.3% FO First Option Bank +7.6% Bo Bank of Tescott +5.5% UB United Bank & Trust +3.2% US Union State Bank +1.3% WS Western State Bank -2.2% OB Outdoor Bank -5.4% CN Community National Bank -5.9% EB Exchange Bank & Trust -6.5%

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 5 CBLR filers, United Bank & Trust among them; owner-occupied excluded; bold marks a screen met
United Bank & TrustRankCohort median
Total CRE against capital, the 300% screen83%6th of 1298%
Construction against capital, the 100% screen12%3rd of 1225%
Construction and land development, share of loans1.8%3rd of 125.7%
Non-owner-occupied nonfarm nonresidential, share of loans10.1%6th of 1212.2%
Total CRE, the guidance definition, share of loans12.8%6th of 1219.3%
CRE growth over 36 months, the third prong+7.2%5th of 12+22.6%
Commercial real estate against capital, the 300% screenKS banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 98% DF Dream First Bank N.A. 22% EB Exchange Bank & Trust 43% WS Western State Bank 49% Bo Bank of Tescott 66% FM Farmers & Merchants Bank Colby 82% UB United Bank & Trust 83% CN Community National Bank 113% FB First Bank Kansas 191% US Union State Bank 201% FO First Option Bank 215% OB Outdoor Bank 266% LB Legacy Bank 320%
CRE growth over 36 months, the guidance's third prongKS banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median +22.6% EB Exchange Bank & Trust -19.0% DF Dream First Bank N.A. -18.3% CN Community National Bank -2.3% US Union State Bank -1.6% UB United Bank & Trust +7.2% WS Western State Bank +17.9% FO First Option Bank +27.3% FB First Bank Kansas +35.3% LB Legacy Bank +58.9% FM Farmers & Merchants Bank Colby +59.4% Bo Bank of Tescott +61.2% OB Outdoor Bank +63.4%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Dream First Bank N.A.$964M1.1%72.1%1.86%0.13%1.6%78.1%9.8%
United Bank & Trust$893M1.5%49.9%0.00%0.00%1.3%94.1%11.9%
Legacy Bank$865M1.2%60.1%0.06%0.01%1.3%94.4%9.9%
Community National Bank$853M1.7%60.1%1.47%0.01%1.3%49.7%6.9%
First Option Bank$818M1.4%63.5%0.02%0.53%0.7%67.3%6.5%
Western State Bank$802M1.4%43.3%3.04%1.34%2.5%74.2%10.2%
Union State Bank$719M1.2%69.8%0.19%0.01%1.1%69.2%10.7%
Farmers & Merchants Bank Colby$651M1.7%42.9%0.61%-0.04%1.0%94.0%11.3%
Outdoor Bank$649M-0.3%84.3%3.83%1.01%2.5%83.0%9.7%
Bank of Tescott$648M1.7%52.4%0.08%0.00%1.3%85.2%10.4%
Exchange Bank & Trust$627M1.7%49.5%0.23%0.01%1.4%67.7%12.7%
First Bank Kansas$619M3.8%54.3%0.04%0.01%1.5%74.8%7.9%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
United Bank & TrustCohort median
20212026Change20212026Change
Loans$452M$672M+49%$302M$483M+60%
Deposits$576M$714M+24%$473M$674M+42%
NPA / loans0.00%0.00%+0.00 pts0.35%0.21%-0.14 pts
Efficiency53.5%49.9%-3.7 pts53.9%57.2%+3.3 pts
ROA1.09%1.52%+0.42 pts1.56%1.48%-0.08 pts

This read was prepared for United Bank & Trust's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on United Bank & Trust is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort KS banks $300M to $1B
Institution www.ubankonline.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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