UNITED BANK
UNITED BANK is an FDIC-insured commercial bank headquartered in ZEBULON, GA, established in 1905. As of , 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 5.19%. CET1 capital ratio: 22.90%, well above regulatory minimums. NPL ratio: 0.26% · Texas Ratio: 0.97%. Operates 18 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
United Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
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 |
|---|---|---|---|---|---|
| 2025-12-31 | 22.90% | 2.62% | 0.26% | 0.97% | 5.19% |
| 2025-09-30 | 25.87% | 2.65% | 0.52% | 1.68% | 5.37% |
| 2025-06-30 | 24.85% | 2.62% | 0.52% | 1.78% | 5.54% |
| 2025-03-31 | 26.11% | 2.83% | 0.47% | 1.54% | 5.23% |
| 2024-12-31 | 25.10% | 2.83% | 0.58% | 2.00% | 5.29% |
| 2024-09-30 | 25.24% | 2.47% | 0.18% | 0.58% | 5.50% |
| 2024-06-30 | 24.17% | 2.83% | 0.24% | 0.85% | 5.35% |
| 2024-03-31 | 25.02% | 2.88% | 0.60% | 2.29% | 5.31% |
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Frequently asked about UNITED BANK
What are United Bank's total assets?
As of the Q4 2025 filing, United Bank reported total assets of $2.33 billion in its most recent 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 required of all FDIC-insured commercial banks.
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 22.90% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does United Bank operate?
United Bank operates 18 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is United Bank's Texas Ratio?
United Bank's Texas Ratio is 0.97% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.