United Bank & Trust Mortgage Rates, Fees & Info
Marysville, KSLEI: 549300YGJL5TVDN6LR41
Tax ID: 36-4544942
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Mortgage Data
Bank Data
Review & Overview
United Bank & Trust is a smaller bank specializing in Home Purchase and Refi loans. United Bank & Trust has a high proportion of conventional loans. Their top markets by origination volume include: Manhattan, Topeka, Kansas City, and Salina among others. We have data for 5 markets. (Some data included below & more in-depth data is available with an active subscription.)United Bank & Trust has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.
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Originations
160Origination Dollar Volume (All Markets)
$23,170,000Employee count
93Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Outside of Metro Areas | 146 | $18,190,000 | $124,589 | $0 | 0.00% |
| MANHATTAN, KS (FHA|USDA|VA) | 9 | $4,385,000 | $487,222 | $0 | 0.00% |
| TOPEKA, KS (FHA|USDA|VA) | 3 | $235,000 | $78,333 | $0 | 0.00% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 0.00% |
| Salina, KS (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 160 | $23,170,000 | $144,813 | $0 | 0.00% |
For 2020, United Bank & Trust's most frequently originated type of loan was Conventional, with 160 originations.
Loan Reason
For 2020, United Bank & Trust's most frequently cited loan purpose was Home Purchase, with 69 originations. The 2nd most popular reason was Refi, with 62 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 160 | $23,170,000 | $144,813 | $0 | 0.00% |
For 2020, United Bank & Trust's most frequently cited loan duration was Other, with 160 originations.
Loan Sizing
2020 saw United Bank & Trust place emphasis on $100,000 or less loans with 69 originations, totaling $3,535,000 in origination value.
Applicant Income
United Bank & Trust lent most frequently to those with incomes in the $100k-150k range, with 34 originations. The second most popular income band? $50k-75k, with 32 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 160 | $23,170,000 | $144,813 | $0 | 0.00% |
United Bank & Trust lent most frequently to those with DTI ratios of Exempt%, with 160 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications91.96%
United Bank & Trust has an average approval rate.
Pick Rate
Approvals leading to origination85.63%
United Bank & Trust has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 160 | $23,170,000 | $144,813 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Multifamily:Site-Built | 4 | $2,680,000 | $670,000 |
| Single Family (1-4 Units):Site-Built | 156 | $20,490,000 | $131,346 |
Complaints
| Bank Name | Product | Issue | 2020 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| UNITED COMMUNITY BANK | Conventional home mortgage | Trouble during payment process | 3 | 50.0% |
| UNITED COMMUNITY BANK | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 16.7% |
| UNITED COMMUNITY BANK | Conventional home mortgage | Closing on a mortgage | 1 | 16.7% |
| UNITED COMMUNITY BANK | Home equity loan or line of credit (HELOC) | Incorrect information on your report | 1 | 16.7% |
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| United Bank & Trust | 935 Main Street Sabetha, KS 66534 | Full Service B&M | $92,809 |
| United Bank & Trust | 602 North Street Seneca, KS 66538 | Limited, Drive-thru | $0 |
| United Bank & Trust | 722 Main Street Beattie, KS 66406 | Full Service B&M | $12,134 |
| United Bank & Trust | 726 West Crawford Clay Center, KS 67432 | Limited, Drive-thru | $0 |
| United Bank & Trust | 823 Broadway Marysville, KS 66508 | Full Service B&M | $137,403 |
| United Bank & Trust | 105 Washington Avenue Sabetha, KS 66534 | Limited, Drive-thru | $0 |
| United Bank & Trust | 2000 N. Tuttle Creek Blvd Manhattan, KS 66502 | Full Service B&M | $9,812 |
| United Bank & Trust | 2010 Lincoln Street Concordia, KS 66901 | Full Service B&M | $35,288 |
| United Bank & Trust | 203 North 18th Street Marysville, KS 66508 | Limited, Drive-thru | $0 |
| United Bank & Trust | 229 C Street Washington, KS 66968 | Full Service B&M | $29,293 |
| United Bank & Trust | 300 Fourth Street Linn, KS 66953 | Full Service B&M | $29,254 |
| United Bank & Trust | 502 Lincoln Ave Clay Center, KS 67432 | Full Service B&M | $80,766 |
| United Bank & Trust | 502 Main Street Seneca, KS 66538 | Full Service B&M | $122,895 |
| United Bank & Trust | 511 Paramount St Sabetha, KS 66534 | Limited, Mobile/Seasonal Office | $0 |
For 2020, United Bank & Trust had 14 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $24,928 |
| Net interest income | $20,546 |
| Total noninterest income | $2,174 |
| Gross Fiduciary activities income | $0 |
| Service charges on deposit accounts | $571 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $1,603 |
| Pre-tax net operating income | $8,797 |
| Securities gains (or losses, -) | $235 |
| Income before extraordinary items | $7,182 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $7,182 |
| Minority interest net income | $0 |
| Net income | $7,182 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $6,994 |
United Bank & Trust's gross interest income from loans was $24,928,000.
United Bank & Trust's net interest income from loans was $20,546,000.
United Bank & Trust's fee based income from loans was $571,000.
United Bank & Trust's net income from loans was $7,182,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $4,382 |
| Provision for credit losses | $1,550 |
| Total noninterest expense | $12,373 |
| Salaries and employee benefits | $6,910 |
| Premises and equipment expense | $1,447 |
| Additional noninterest expense | $4,016 |
| Applicable income taxes | $1,850 |
| Net charge-offs | $3,685 |
| Cash dividends | $0 |
United Bank & Trust's interest expense for loans was $4,382,000.
United Bank & Trust's payroll and benefits expense were $6,910,000.
United Bank & Trust's property, plant and equipment expenses $1,447,000.
Loan Performance
| Type of Loan | % of Loans Noncurrent (30+ days, end of period snapshot) |
|---|---|
| All loans | 1.0% |
| Real Estate loans | 2.0% |
| Construction & Land Development loans | 0.0% |
| Nonfarm, nonresidential loans | 11.0% |
| Multifamily residential loans | 0.0% |
| 1-4 family residential loans | 0.0% |
| HELOC loans | 0.0% |
| All other family | 0.0% |
| Commercial & industrial loans | 0.0% |
| Personal loans | 0.0% |
| Credit card loans | 0.0% |
| Other individual loans | 0.0% |
| Auto loans | 0.0% |
| Other consumer loans | 0.0% |
| Unsecured commercial real estate loans | 0.0% |
Deposits
| Type | Value (in 000's) |
|---|---|
| Total deposits | $570,645 |
| Deposits held in domestic offices | $570,645 |
| Deposits by Individuals, partnerships, and corporations | $469,438 |
| Deposits by U.S. Government | $0 |
| Deposits by States and political subdivisions in the U.S. | $91,522 |
| Deposits by Commercial banks and other depository institutions in U.S. | $9,685 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $104,879 |
| Demand deposits | $86,550 |
| Nontransaction accounts | $465,766 |
| Money market deposit accounts (MMDAs) | $29,299 |
| Other savings deposits (excluding MMDAs) | $326,010 |
| Total time deposits | $110,457 |
| Total time and savings deposits | $484,095 |
| Noninterest-bearing deposits | $26,687 |
| Interest-bearing deposits | $543,958 |
| Retail deposits | $560,944 |
| IRAs and Keogh plan accounts | $19,293 |
| Brokered deposits | $0 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $740,679 |
| Cash & Balances due from depository institutions | $112,174 |
| Interest-bearing balances | $100,669 |
| Total securities | $36,959 |
| Federal funds sold & reverse repurchase | $90,989 |
| Net loans and leases | $449,599 |
| Loan and leases loss allowance | $5,121 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $8,152 |
| Other real estate owned | $5,736 |
| Goodwill and other intangibles | $9,540 |
| All other assets | $27,530 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $740,679 |
| Total Liabilities | $654,144 |
| Total deposits | $570,645 |
| Interest-bearing deposits | $543,958 |
| Deposits held in domestic offices | $570,645 |
| % insured (estimated) | $70 |
| Federal funds purchased and repurchase agreements | $18,604 |
| Trading liabilities | $0 |
| Other borrowed funds | $61,945 |
| Subordinated debt | $0 |
| All other liabilities | $2,950 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $449,599 |
| Loan and leases loss allowance | $5,121 |
| Total loans and leases (domestic) | $454,720 |
| All real estate loans | $288,159 |
| Real estate loans in domestic offices | $288,159 |
| Construction and development loans | $6,913 |
| Residential 1-4 family construction | $2,269 |
| Other construction, all land development and other land | $4,644 |
| Loans secured by nonfarm nonresidential properties | $55,975 |
| Nonfarm nonresidential secured by owner-occupied properties | $26,581 |
| Commercial real estate & other non-farm, non-residential | $29,394 |
| Multifamily residential real estate | $9,031 |
| 1-4 family residential loans | $45,547 |
| Farmland loans | $170,693 |
| Loans held in foreign offices | $0 |
| Farm loans | $85,579 |
| Commercial and industrial loans | $60,778 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $10,086 |
| Credit card loans | $0 |
| Related Plans | $37 |
| Consumer Auto Loans | $5,310 |
| Other loans to individuals | $4,739 |
| All other loans & leases | $10,118 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $237 |
| Loans to depository institutions and acceptances of other banks | $0 |
| Loans not secured by real estate | $0 |
| Loans secured by real estate to non-U.S. addressees | $0 |
| Restructured Loans & leases | $0 |
| Non 1-4 family restructured loans & leases | $0 |
| Total loans and leases (foreign) | $0 |
United Bank & Trust had $449,599,000 of loans outstanding in 2020. $288,159,000 of loans were in real estate loans. $6,913,000 of loans were in development loans. $9,031,000 of loans were in multifamily mortgage loans. $45,547,000 of loans were in 1-4 family mortgage loans. $85,579,000 of loans were in farm loans. $0 of loans were in credit card loans. $5,310,000 of loans were in the auto loan category.
Small Business Loans
| Categorization | # of Loans in Category | $ amount of loans (in 000's) | Average $/loan |
|---|---|---|---|
| Nonfarm, nonresidential loans - <$1MM | 146 | $17,352 | $118,849 |
| Nonfarm, nonresidential loans - <$100k | 68 | $2,085 | $30,662 |
| Nonfarm, nonresidential loans - $100-250k | 44 | $3,989 | $90,659 |
| Nonfarm, nonresidential loans - $250k-1MM | 34 | $11,278 | $331,706 |
| Commercial & Industrial, US addressed loans - <$1MM | 636 | $25,518 | $40,123 |
| Commercial & Industrial, US addressed loans - <$100k | 521 | $9,573 | $18,374 |
| Commercial & Industrial, US addressed loans - $100-250k | 71 | $6,172 | $86,930 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 44 | $9,773 | $222,114 |
| Farmland loans - <$1MM | 560 | $74,674 | $133,346 |
| Farmland loans - <$100k | 180 | $6,865 | $38,139 |
| Farmland loans - $100-250k | 245 | $31,340 | $127,918 |
| Farmland loans - $250k-1MM | 135 | $36,469 | $270,141 |
| Agriculture operations loans - <$1MM | 940 | $42,402 | $45,109 |
| Agriculture operations loans - <$100k | 730 | $16,187 | $22,174 |
| Agriculture operations loans - $100-250k | 151 | $14,138 | $93,629 |
| Agriculture operations loans - $250k-1MM | 59 | $12,077 | $204,695 |