Union Bank & Trust Company is a bank based in Monticello, Arkansas, established in 1887, with $329 million in total assets across 5 branches. By Trust Grade it ranks 45th of 78 banks we track in Arkansas. Its capital ratio of 9.2% trails most similarly sized banks (34th percentile), versus a Arkansas median of 10.7%. It was profitable over the most recent period, with a 1.60% return on assets. No consumer complaints against Union Bank & Trust Company appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Union Bank & Trust Company compares to Arkansas peers
How we graded Union Bank & Trust Company
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (9.2% capital ratio)
- Strongly profitable (ROA 1.60%)
- No CFPB complaints on record
The Trust Grade is Bankzia’s independent, documented opinion computed from public FDIC/NCUA/CFPB data — not an official rating, and not a statement about the safety of insured deposits. Report a data error or dispute this grade →
Consumer complaints (CFPB)
No CFPB complaints are on file for Union Bank & Trust Company over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (5)
- 102 W Mccloy St, Monticello, AR 71655
- 409 Highway 425 S, Monticello, AR 71655
- 201 N Martin St, Warren, AR 71671
- 510 Us 425 North, Monticello, AR 71657
- 404 N Main St, Warren, AR 71671
Are deposits at Union Bank & Trust Company insured?
Yes. Union Bank & Trust Company is an FDIC-insured bank (FDIC certificate #1753). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Union Bank & Trust Company: frequently asked questions
Is Union Bank & Trust Company a good bank?
Union Bank & Trust Company earns a Bankzia Trust Grade of A (95/100, "Excellent"), based on a financial-strength score of 95/100 (it has no CFPB complaints on record). Strongly capitalized (9.2% capital ratio); Strongly profitable (ROA 1.60%).
Is Union Bank & Trust Company FDIC-insured?
Yes. Union Bank & Trust Company is a FDIC-insured bank (FDIC certificate #1753). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Union Bank & Trust Company?
Union Bank & Trust Company holds $329 million in total assets, ranking 45th of 78 banks we track in Arkansas. It operates 5 branches.
Does Union Bank & Trust Company have CFPB complaints?
No CFPB complaints against Union Bank & Trust Company appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
