🏦Bank Scorer

UNION BANK AND TRUST COMPANY

OKLAHOMA CITY, OK · Supervised by FDIC

Est. 1988FDIC #27,210RSSD: FDIC-27210
Part ofOLNEY BANCSHARES OF TEXAS INC→ View all charters
Satisfactory Same

Current rating · Exam: September 1999

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 3.12%

Institution Profile

FDIC BankFind

Address

4921 N May Ave, OKLAHOMA CITY, OK

County

Oklahoma County

Established

March 31, 1988

Total Assets

$5.5B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

September 1, 1999

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 26 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$5.5B

Total Deposits

$4.8B

Net Loans

$4.8B

Net Income

$43M

ROA

3.12%

ROE

27.24%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

45

Branch Deposits

$4.3B

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

4 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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