UNITED BANK

ATMORE, AL | Large | Est. Jan. 4, 1904, midnight | FDIC #58 | RSSD #994435 | FDIC
Latest Report: 2025-12-31

UNITED BANK is aln large FDIC-insured commercial bank headquartered in ATMORE, AL, established in Jan. 4, 1904, midnight. As of 2025-12-31, the bank reported total assets of $1.4B and total deposits of $1.2B. Profitability stands at 1.24% ROA and 8.45% ROE, with a net interest margin of 4.56%. The bank's CET1 capital ratio is 20.74%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.73% and a Texas Ratio of 7.47%. FDIC Certificate #58.

Assets

$1.4B

Deposits

$1.2B

Loans

$894M

Equity

$213M

Profitability

Return on Assets (ROA) 1.24%
Return on Equity (ROE) 8.45%
Net Interest Margin (NIM) 4.56%
Yield on Assets 5.80%
Cost of Funds 2.36%

Asset Quality

NPL Ratio 1.73%
Net Charge-Off Ratio 0.55%
Texas Ratio 7.47%
NPA Ratio 1.16%
ACL / Loans 1.32%

Capital & Liquidity

CET1 Ratio 20.74%
Tier 1 Capital 20.74%
Total Capital Ratio 21.89%
Leverage Ratio 15.38%
Loan-to-Deposit 74.85%

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