Bank · FDIC insured
United Bank of Union
A $577.5M bank headquartered in Union, MO, with 3 branches in Missouri. Best rates: CDs 4.10% and savings 0.35% APY.
United Bank of Union Carrot Score
82
Carrot Score
Higher than 59% of U.S. banks and credit unions
#36 of 79 in St. Louis, MO-IL metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About United Bank of Union
Founded in 1934 during the Great Depression in Union, Missouri, United Bank of Union has grown alongside Franklin County and beyond.
The bank was built on resilience, trust, and the purpose of providing reliable, personalized banking and partnering in community success.
- Headquarters
- 15 E Main St, Union, MO 63084
- FDIC certificate
- 14334 ↗
Branches
3 branches in Missouri
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Missouri
3 branches
- United Bank of UnionMain office15 E Main St, Union, MO 63084Directions
- Rebel Road Branch1440 Rebel Dr, Union, MO 63084Directions
- Union Branch210 Us Highway 50 W, Union, MO 63084Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.65% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 2.36% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.46% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $98 | $81 | — |
- CapitalLeverage ratio9.65%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent2.36%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.46%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$98Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of United Bank of Union are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.