UNITED BANK

ZEBULON, GA | Large | Est. Jan. 31, 1905, midnight | FDIC #172 | RSSD #37435 | FDIC
Latest Report: 2025-12-31

UNITED BANK is aln large FDIC-insured commercial bank headquartered in ZEBULON, GA, established in Jan. 31, 1905, midnight. As of 2025-12-31, the bank reported total assets of $2.3B and total deposits of $2.1B. Profitability stands at 2.62% ROA and 23.13% ROE, with a net interest margin of 5.21%. The bank's CET1 capital ratio is 22.90%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.26% and a Texas Ratio of 0.97%. FDIC Certificate #172.

Assets

$2.3B

Deposits

$2.1B

Loans

$931M

Equity

$238M

Profitability

Return on Assets (ROA) 2.62%
Return on Equity (ROE) 23.13%
Net Interest Margin (NIM) 5.21%
Yield on Assets 5.76%
Cost of Funds 0.85%

Asset Quality

NPL Ratio 0.26%
Net Charge-Off Ratio 0.30%
Texas Ratio 0.97%
NPA Ratio 0.11%
ACL / Loans 1.98%

Capital & Liquidity

CET1 Ratio 22.90%
Tier 1 Capital 22.90%
Total Capital Ratio 24.15%
Leverage Ratio 11.24%
Loan-to-Deposit 44.96%

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