United Bank (Zebulon, GA): Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
United Bank is one of the more profitable banks of its size. The Zebulon, Georgia bank had $2.2 billion in assets at June 30, 2026. It earns about $2.42 a year on every $100 of assets, about double the median of $1.29 for the 895 banks with $1 billion to $10 billion in assets. It also keeps 5.15 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 banks its size (median 3.71 cents). Much of that comes from cost control: it spends about 49 cents to bring in each dollar of revenue.
Its $149 million non-owner-occupied commercial real estate book is improving, with 0.26% past due or on nonaccrual, down from 2.24% a year earlier. Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.23% of loans from 0.53%.
As of June 30, 2026, United Bank reported a CET1 capital ratio of 24.35%, a return on assets of 2.42%, a nonperforming-loan ratio of 0.22% and a Texas ratio of 0.80%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 685 Griffin St, Zebulon, GA 30295
- County
- Pike
- Metro Area
- Atlanta-Sandy Springs-Roswell, GA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 31, 1905
- Former names
- United Bank of Pike (1984-1997)
- Offices
- 17 domestic
- Employees (FTE)
- 418
- Domestic deposits
- $1.88B
- Allowance for credit losses
- $19.1M
- Net charge-offs (YTD)
- -$10K
- Average total assets
- $2.18B
- Average total loans
- $944.7M
- Average interest-bearing deposits
- $1.14B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 172
- Fed RSSD
- 37435
- Website
- www.accessunited.com →
- Parent Holding Company
- UNITED BANK CORPORATION (RSSD 1082777)
- Ultimate Parent
- RSSD 5937848
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, freeUnited 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.
Metric pages for United Bank: ROA, 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 | 24.35% | 2.42% | 0.22% | 0.80% | 5.15% |
| Q1 2026 | 23.48% | 2.66% | 0.25% | 1.05% | 5.02% |
| Q4 2025 | 22.90% | 2.65% | 0.26% | 1.03% | 5.20% |
| Q3 2025 | 25.87% | 2.65% | 0.52% | 1.79% | 5.38% |
| Q2 2025 | 24.85% | 2.62% | 0.52% | 1.83% | 5.56% |
| Q1 2025 | 26.11% | 2.86% | 0.47% | 1.56% | 5.22% |
| Q4 2024 | 25.10% | 2.83% | 0.58% | 2.05% | 5.29% |
| Q3 2024 | 25.24% | 2.46% | 0.18% | 0.73% | 5.51% |
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 17 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| 308 Thomaston Street Branch | Barnesville , GA | 30204 | $264.4M |
| 505 South Hill Street Branch | Griffin , GA | 30224 | $223.9M |
| Jackson Branch | Jackson , GA | 30233 | $215.3M |
| United Bank (main office) | Zebulon , GA | 30295 | $193.4M |
| Covington Branch | Covington , GA | 30014 | $177.2M |
| Thomaston Main Branch | Thomaston , GA | 30286 | $149.7M |
| Monroe County Bank Branch | Forsyth , GA | 31029 | $147.2M |
| First Coweta Bank Branch | Newnan , GA | 30263 | $100.6M |
| Madison Branch | Madison , GA | 30650 | $91.8M |
| Northside Branch | Griffin , GA | 30223 | $80.6M |
| Williamson Branch | Williamson , GA | 30292 | $66.3M |
| West Taylor Street Branch | Griffin , GA | 30223 | $53.4M |
| Bolingbroke Branch | Macon , GA | 31210 | $36.7M |
| The Woodbury Banking Company Branch | Woodbury , GA | 30293 | $34.7M |
| Newnan Branch | Newnan , GA | 30265 | $16.1M |
| Ingles Branch | Barnesville , GA | 30204 | $15.6M |
| Thomaston 19 North | Thomaston , GA | 30286 | $15.2M |
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 |
|---|---|---|---|
| August 20, 2016 | M&A | Acquired The Woodbury Banking Company failure_government_assistance_provided for the acquired bank | SEC |
| August 20, 2016 | Structure Change | Acquired The Woodbury Banking Company Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| August 19, 2016 | Merger | Participated in FDIC Assisted Merger | FDIC |
| August 1, 2014 | M&A | Acquired Monroe County Bank merger for the acquired bank | SEC |
| August 1, 2014 | Structure Change | Acquired Monroe County Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 31, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 23, 2010 | M&A | Acquired The First National Bank of Barnesville failure_government_assistance_provided for the acquired bank | SEC |
| October 23, 2010 | Structure Change | Acquired The First National Bank of Barnesville Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| October 22, 2010 | Merger | Participated in FDIC Assisted Merger | FDIC |
| August 22, 2009 | M&A | Acquired First Coweta Bank failure_government_assistance_provided for the acquired bank | SEC |
| August 22, 2009 | Structure Change | Acquired First Coweta Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| August 21, 2009 | Merger | Participated in FDIC Assisted Merger | FDIC |
| December 6, 2008 | M&A | Acquired First Georgia Community Bank failure_government_assistance_provided for the acquired bank | SEC |
| December 6, 2008 | Structure Change | Acquired First Georgia Community Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| December 5, 2008 | Merger | Participated in FDIC Assisted Merger | FDIC |
| January 21, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 1997 | M&A | Acquired United Bank of Griffin merger for the acquired bank | SEC |
| January 1, 1997 | Structure Change | Acquired United Bank of Griffin Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 18 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
- 0.5% of deposits in GA, rank 23 of 179 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $350K approved, $350K 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 $2.16 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 Zebulon, GA, 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 1905, per the FDIC institution directory.
Is United Bank FDIC-insured?
Yes. United Bank is an FDIC-insured commercial bank (FDIC Certificate #172). 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 FDIC. 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 24.35% 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 17 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 0.80% 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.
What was United Bank previously called?
The charter now named United Bank has also operated as United Bank of Pike (1984-1997), per FDIC structure-change records.
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