UNITED BANK

FAIRFAX, VA | Regional | Est. May 10, 1979, midnight | FDIC #22858 | RSSD #365325 | FED
Latest Report: 2025-12-31

UNITED BANK is arn regional FDIC-insured commercial bank headquartered in FAIRFAX, VA, established in May 10, 1979, midnight. As of 2025-12-31, the bank reported total assets of $33.5B and total deposits of $27.2B. Profitability stands at 1.62% ROA and 9.77% ROE, with a net interest margin of 3.81%. The bank's CET1 capital ratio is 13.75%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.39% and a Texas Ratio of 1.79%. FDIC Certificate #22858.

Assets

$33.5B

Deposits

$27.2B

Loans

$24.7B

Equity

$5.6B

Profitability

Return on Assets (ROA) 1.62%
Return on Equity (ROE) 9.77%
Net Interest Margin (NIM) 3.81%
Yield on Assets 5.59%
Cost of Funds 2.63%

Asset Quality

NPL Ratio 0.39%
Net Charge-Off Ratio 0.18%
Texas Ratio 1.79%
NPA Ratio 0.31%
ACL / Loans 1.20%

Capital & Liquidity

CET1 Ratio 13.75%
Tier 1 Capital 13.75%
Total Capital Ratio 14.95%
Leverage Ratio 11.53%
Loan-to-Deposit 90.79%

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