United Bank (Fairfax, VA): Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
United Bank leans heavily on commercial real estate. It reported $33.6 billion in assets at June 30, 2026, up 2.9% from a year earlier. It holds commercial real estate loans worth 3.1 times its capital, higher than about three-quarters of the 127 banks with $10 billion to $100 billion in assets (median 2.2 times). On the other hand, it funds 11.60% of its assets with Tier 1 capital, higher than about three-quarters of banks its size (median 10.25%).
Problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.44% of loans from 0.28% a year earlier. The non-owner-occupied commercial real estate book ($6.3 billion) is worsening: 1.24% of it is past due or on nonaccrual, up from 0.66% a year earlier.
As of June 30, 2026, United Bank reported a CET1 capital ratio of 13.69%, a return on assets of 1.61%, a nonperforming-loan ratio of 0.47% and a Texas ratio of 3.13%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 11185 Fairfax Blvd, Fairfax, VA 22030
- County
- Fairfax City
- Metro Area
- Washington-Arlington-Alexandria, DC-Va-MD-WV
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- May 10, 1979
- Offices
- 237 domestic
- Employees (FTE)
- 2,674
- Domestic deposits
- $27.34B
- Allowance for credit losses
- $299.5M
- Net charge-offs (YTD)
- $10.8M
- Average total assets
- $33.81B
- Average total loans
- $24.97B
- Average interest-bearing deposits
- $20.58B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- May 10, 1979
- FDIC Cert
- 22858
- Fed RSSD
- 365325
- SEC CIK
- 729986 → filed by UNITED BANKSHARES, INC.
- Website
- www.bankwithunited.com →
- Parent Holding Company
- UNITED BANKSHARES, INC. (RSSD 1076217) · UBSI
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Richard M Adams Jr | CEO | Chief Executive Officer |
| Richard M Adams Sr | CHR | Executive Chairman |
| James J Consagra Jr | COO | Chief Operating Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full United Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock United Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
United Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.69% | 1.61% | 0.47% | 3.13% | 3.79% |
| Q1 2026 | 13.64% | 1.49% | 0.51% | 2.96% | 3.76% |
| Q4 2025 | 13.75% | 1.61% | 0.51% | 2.89% | 3.85% |
| Q3 2025 | 13.65% | 1.56% | 0.56% | 3.30% | 3.81% |
| Q2 2025 | 13.72% | 1.58% | 0.38% | 2.02% | 3.80% |
| Q1 2025 | 13.52% | 1.14% | 0.43% | 1.96% | 3.64% |
| Q4 2024 | 14.26% | 1.36% | 0.43% | 2.18% | 3.51% |
| Q3 2024 | 13.95% | 1.38% | 0.42% | 1.95% | 3.54% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 235 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Tysons Branch | Vienna , VA | 22182 | $2.05B |
| Suncrest Branch | Morgantown , WV | 26505 | $1.18B |
| Charleston Main Branch | Charleston , WV | 25301 | $1.12B |
| Connecticut Avenue Branch | Washington , DC | 20036 | $933.3M |
| Bethesda Metro | Bethesda , MD | 20814 | $628.2M |
| Parkersburg Branch | Parkersburg , WV | 26101 | $617.5M |
| Lee-Harrison Office | Arlington , VA | 22207 | $477.2M |
| Foxcroft Branch | Martinsburg , WV | 25401 | $438.2M |
| Uniontown Branch | Uniontown , PA | 15401 | $333.2M |
| Mclean Branch | Mclean , VA | 22101 | $318.1M |
| Rockville Branch | Rockville , MD | 20852 | $315.6M |
| Moundsville Branch | Moundsville , WV | 26041 | $289.7M |
| Myrtle Branch | Myrtle Beach , SC | 29577 | $281.7M |
| Reston Branch | Reston , VA | 20190 | $265.8M |
| Woodburn Branch | Annandale , VA | 22003 | $263.7M |
| Mountain Valley Community Bank Branch | Cleveland , GA | 30528 | $260.5M |
| Washington Dc Branch | Washington , DC | 20007 | $255.3M |
| Clarendon Branch | Arlington , VA | 22201 | $251.3M |
| Peachtree Corners Branch | Peachtree Corners , GA | 30092 | $238.9M |
| Beckley Main Branch | Beckley , WV | 25801 | $238.0M |
| G Street Branch | Washington , DC | 20001 | $237.0M |
| Mclean Cardinal Branch | Mclean , VA | 22102 | $229.7M |
| Chantilly Branch | Chantilly , VA | 20151 | $222.3M |
| Wheeling Main | Wheeling , WV | 26003 | $219.7M |
| Charlottesville Branch | Charlottesville , VA | 22901 | $216.8M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 11, 2025 | M&A | Acquired The Piedmont Bank merger for the acquired bank | SEC |
| January 11, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 11, 2025 | Structure Change | Acquired The Piedmont Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 4, 2021 | M&A | Acquired Essex Bank merger for the acquired bank | SEC |
| December 4, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 4, 2021 | Structure Change | Acquired Essex Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 2, 2020 | M&A | Acquired CresCom Bank merger for the acquired bank | SEC |
| May 2, 2020 | Structure Change | Acquired CresCom Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 1, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 11, 2017 | M&A | Acquired United Bank merger for the acquired bank | SEC |
| November 11, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 11, 2017 | Structure Change | Acquired United Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 22, 2017 | M&A | Acquired Cardinal Bank merger for the acquired bank | SEC |
| April 22, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 22, 2017 | Structure Change | Acquired Cardinal Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 4, 2016 | M&A | Acquired Bank of Georgetown merger for the acquired bank | SEC |
| June 4, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 4, 2016 | Structure Change | Acquired Bank of Georgetown Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 1, 2014 | M&A | Acquired Virginia Commerce Bank merger for the acquired bank | SEC |
| February 1, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 1, 2014 | Structure Change | Acquired Virginia Commerce Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 14, 2007 | M&A | Acquired The Marathon Bank merger for the acquired bank | SEC |
| July 14, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 14, 2007 | Structure Change | Acquired The Marathon Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 11, 2003 | M&A | Acquired Sequoia Bank merger for the acquired bank | SEC |
| October 11, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 11, 2003 | Structure Change | Acquired Sequoia Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 8, 2001 | M&A | Acquired Century National Bank merger for the acquired bank | SEC |
| December 8, 2001 | Structure Change | Acquired Century National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 18, 1998 | M&A | Acquired United Bank merger for the acquired bank | SEC |
| April 18, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 18, 1998 | Structure Change | Acquired United Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 7, 1997 | M&A | Acquired George Mason Bank, National Association merger for the acquired bank | SEC |
| June 7, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 7, 1997 | Structure Change | Acquired George Mason Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 19, 1992 | M&A | Acquired The Washington Bank failure_government_assistance_provided for the acquired bank | SEC |
| September 19, 1992 | Structure Change | Acquired The Washington Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| September 18, 1992 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 38 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for United Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 3.2% of deposits in VA, rank 7 of 105 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 4,794 applications, 3,094 loans originated, $1.50B originated, across 19 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $212K approved, $212K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about United Bank
What are United Bank's total assets?
As of the Q2 2026 filing, United Bank reported total assets of $33.64 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is United Bank headquartered?
United Bank is headquartered in Fairfax, VA, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was United Bank founded?
United Bank was established in 1979, per the FDIC institution directory.
Is United Bank FDIC-insured?
Yes. United Bank is an FDIC-insured commercial bank (FDIC Certificate #22858). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates United Bank?
United Bank's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is United Bank's CET1 capital ratio?
United Bank reported a Common Equity Tier 1 (CET1) capital ratio of 13.69% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does United Bank operate?
United Bank operates 237 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is United Bank's Texas Ratio?
United Bank's Texas Ratio is 3.13% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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