Skip to main content
BDI
UB

United Bank of Union

Union, MissouriFDIC Cert #14334

STATEEstablished 19343 branches

Holding company: CARDINAL BCORP II INCRegulator: FDIC

FDICCERT + OFFDOM

Delinquency, loss & reserves

Credit

Early-stage delinquency, nonaccruals, realized loss, and allowance coverage from reported filings.

As of Q1 2026

Problem credits

Reported delinquent and nonperforming exposures, shown as balances and ratios.

30–89 %
0.56%
+23.0%y/y
Peer standing45th percentile
Peer standing in asset:300m_1b
FDICP3ASSET + LNLSGR
90+ %
0.00%
Peer standing100th percentile
Peer standing in asset:300m_1b
FDICP9ASSET + LNLSGR
Nonaccrual %
2.45%
−11.0%y/y
Peer standing6th percentile
Peer standing in asset:300m_1b
FDICNAASSET + LNLSGR
Noncurrent %
2.45%
−11.0%y/y
Peer standing7th percentile
Peer standing in asset:300m_1b
FDICP9ASSET + NAASSET + LNLSGR
NPA/assets
2.04%
−9.3%y/y
Peer standing6th percentile
Peer standing in asset:300m_1b
FDICP9ASSET + NAASSET + ORE + ASSET
NPA
$11.9M
−6.7%y/y
Peer standing6th percentile
Peer standing in asset:300m_1b
FDICP9ASSET + NAASSET + ORE

Loss & allowance

Recognized charge-offs and the allowance held against the loan portfolio.

NCO rate
−0.05%
−187.1%y/y
Peer standing96th percentile
Peer standing in asset:300m_1b
FDICNTLNLS + LNLSGR
NCO
−$60K
−188.2%y/y
Peer standing98th percentile
Peer standing in asset:300m_1b
FDICNTLNLS + DRLNLS + CRLNLS
ACL/loans
1.45%
+4.7%y/y
Percentile by value76th percentileby value
Peer standing in asset:300m_1b
FDICLNATRES + LNLSGR
30–89
$2.7M
+29.0%y/y
Peer standing34th percentile
Peer standing in asset:300m_1b
FDICP3ASSET
90+
$0
Peer standing100th percentile
Peer standing in asset:300m_1b
FDICP9ASSET
Nonaccrual
$11.9M
−6.7%y/y
Peer standing4th percentile
Peer standing in asset:300m_1b
FDICNAASSET