United Bank (Fairfax, VA)
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Data as of · sourced from FFIEC call reports. How we update
United Bank is an FDIC-insured commercial bank headquartered in Fairfax, VA, established in 1979 (FDIC certificate 22858), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $33.64B, up 2.9% from Q2 2025, the 4th largest of 56 banks headquartered in Virginia. Its CET1 capital ratio was 13.69% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 22858
- Headquarters
- Fairfax, VA
- Established
- 1979
- Total assets, Q2 2026
- $33.64B
- Assets vs Q2 2025
- +2.9%
- CET1 ratio, Q2 2026
- 13.69%
- Domestic offices
- 237 FDIC institution directory, current count
- Routing number
- 056004445
- Latest call report
- Q2 2026, FFIEC 041 · United Bank call report
- Holding company
- UNITED BANKSHARES, INC.
- Asset rank in state
- 4th of 56 in Virginia
United Bank leans heavily on commercial real estate. It reported $33.6 billion in assets at June 30, 2026, up 2.9% from a year earlier. It holds commercial real estate loans worth 3.1 times its capital, higher than about three-quarters of the 127 banks with $10 billion to $100 billion in assets (median 2.2 times). On the other hand, it funds 11.60% of its assets with Tier 1 capital, higher than about three-quarters of banks its size (median 10.25%).
Problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.44% of loans from 0.28% a year earlier. The non-owner-occupied commercial real estate book ($6.3 billion) is worsening: 1.24% of it is past due or on nonaccrual, up from 0.66% a year earlier.
As of June 30, 2026, United Bank reported a CET1 capital ratio of 13.69%, a return on assets of 1.61%, a nonperforming-loan ratio of 0.44% and a Texas ratio of 3.13%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, United Bank is the 4th largest of the 56 banks headquartered in Virginia. Between Q1 2026 and Q2 2026, its total assets rose 0.1% to $33.64B, loans rose 0.6% and deposits rose 0.1%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 25.0% of total loans, ahead of 1-4 family residential loans at 25.0%. Judged on its Q2 2026 call report, United Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 11185 Fairfax Blvd, Fairfax, VA 22030
- County
- Fairfax City
- Metro Area
- Washington-Arlington-Alexandria, DC-Va-MD-WV
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- May 10, 1979
- Domestic offices
- 237 FDIC institution directory, current count
- Employees (FTE)
- 2,674
- Domestic deposits
- $27.34B
- Allowance for credit losses
- $299.5M
- Net charge-offs (YTD)
- $10.8M
- Average total assets
- $33.81B
- Average total loans
- $24.97B
- Average interest-bearing deposits
- $20.58B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- May 10, 1979
- FDIC Cert
- 22858
- Fed RSSD
- 365325
- SEC CIK
- 729986 → filed by UNITED BANKSHARES, INC.
- Website
- www.bankwithunited.com →
- Parent Holding Company
- UNITED BANKSHARES, INC. (RSSD 1076217) · UBSI
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Richard M Adams Jr | CEO | Chief Executive Officer |
| Richard M Adams Sr | CHR | Executive Chairman |
| James J Consagra Jr | COO | Chief Operating Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
United Bank's total assets moved between a low of $29.16B (Q3 2023) and a high of $33.64B (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$33.64B total assets against $32.68B; $28.02B total liabilities against $27.24B.
$24.73B net loans and leases against $23.78B; $27.34B total deposits against $26.55B.
$3.32B securities against $3.07B; $2.08B cash and balances due against $2.31B.
$418.1M total interest income against $421.2M; $128.1M total interest expense against $141.1M.
$290.0M net interest income against $280.0M.
$38.3M total noninterest income against $30.4M; $149.1M total noninterest expense against $142.7M.
$5.1M provision for credit losses against $5.1M.
$136.1M net income against $129.0M.
1.61% return on assets against 1.58%; 3.79% net interest margin against 3.80%.
13.69% CET1 capital ratio against 13.72%; 11.60% tier 1 leverage ratio against 11.57%.
Inside the full United Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
United Bank rankings
Its closest position to the top of a national ranking is 64 of 4,196, for total assets; its furthest is 1,196 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.14% (Q1 2025) to 1.61% (Q4 2025) and its net interest margin ran from 3.51% (Q4 2024) to 3.85% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.69% | 1.61% | 0.44% | 3.13% | 3.79% |
| Q1 2026 | 13.64% | 1.49% | 0.41% | 2.96% | 3.76% |
| Q4 2025 | 13.75% | 1.61% | 0.41% | 2.89% | 3.85% |
| Q3 2025 | 13.65% | 1.56% | 0.48% | 3.30% | 3.81% |
| Q2 2025 | 13.72% | 1.58% | 0.28% | 2.02% | 3.80% |
| Q1 2025 | 13.52% | 1.14% | 0.29% | 1.96% | 3.64% |
| Q4 2024 | 14.26% | 1.36% | 0.34% | 2.18% | 3.51% |
| Q3 2024 | 13.95% | 1.38% | 0.30% | 1.95% | 3.54% |
Swipe the table sideways to see every column.
Branch Network
View all 235 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Tysons Branch | Vienna , VA | 22182 | $2.05B |
| Suncrest Branch | Morgantown , WV | 26505 | $1.18B |
| Charleston Main Branch | Charleston , WV | 25301 | $1.12B |
| Connecticut Avenue Branch | Washington , DC | 20036 | $933.3M |
| Bethesda Metro | Bethesda , MD | 20814 | $628.2M |
| Parkersburg Branch | Parkersburg , WV | 26101 | $617.5M |
| Lee-Harrison Office | Arlington , VA | 22207 | $477.2M |
| Foxcroft Branch | Martinsburg , WV | 25401 | $438.2M |
| Uniontown Branch | Uniontown , PA | 15401 | $333.2M |
| Mclean Branch | Mclean , VA | 22101 | $318.1M |
| Rockville Branch | Rockville , MD | 20852 | $315.6M |
| Moundsville Branch | Moundsville , WV | 26041 | $289.7M |
| Myrtle Branch | Myrtle Beach , SC | 29577 | $281.7M |
| Reston Branch | Reston , VA | 20190 | $265.8M |
| Woodburn Branch | Annandale , VA | 22003 | $263.7M |
| Mountain Valley Community Bank Branch | Cleveland , GA | 30528 | $260.5M |
| Washington Dc Branch | Washington , DC | 20007 | $255.3M |
| Clarendon Branch | Arlington , VA | 22201 | $251.3M |
| Peachtree Corners Branch | Peachtree Corners , GA | 30092 | $238.9M |
| Beckley Main Branch | Beckley , WV | 25801 | $238.0M |
| G Street Branch | Washington , DC | 20001 | $237.0M |
| Mclean Cardinal Branch | Mclean , VA | 22102 | $229.7M |
| Chantilly Branch | Chantilly , VA | 20151 | $222.3M |
| Wheeling Main | Wheeling , WV | 26003 | $219.7M |
| Charlottesville Branch | Charlottesville , VA | 22901 | $216.8M |
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 |
|---|---|---|---|
| January 11, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 11, 2025 | Structure Change | Acquired The Piedmont Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 11, 2025 | M&A | Acquired The Piedmont Bank merger for the acquired bank | SEC |
| December 4, 2021 | M&A | Acquired Essex Bank merger for the acquired bank | SEC |
| December 4, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 4, 2021 | Structure Change | Acquired Essex Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 2, 2020 | M&A | Acquired CresCom Bank merger for the acquired bank | SEC |
| May 2, 2020 | Structure Change | Acquired CresCom Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 1, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 11, 2017 | M&A | Acquired United Bank merger for the acquired bank | SEC |
| November 11, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 11, 2017 | Structure Change | Acquired United Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 22, 2017 | M&A | Acquired Cardinal Bank merger for the acquired bank | SEC |
| April 22, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 22, 2017 | Structure Change | Acquired Cardinal Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 4, 2016 | M&A | Acquired Bank of Georgetown merger for the acquired bank | SEC |
| June 4, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 4, 2016 | Structure Change | Acquired Bank of Georgetown Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 1, 2014 | Structure Change | Acquired Virginia Commerce Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 1, 2014 | M&A | Acquired Virginia Commerce Bank merger for the acquired bank | SEC |
| February 1, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 14, 2007 | M&A | Acquired Rockingham Heritage Bank merger for the acquired bank | SEC |
| July 14, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 14, 2007 | Structure Change | Acquired The Marathon Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 11, 2003 | M&A | Acquired Sequoia Bank merger for the acquired bank | SEC |
| October 11, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 11, 2003 | Structure Change | Acquired Sequoia Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 8, 2001 | Structure Change | Acquired Century National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 8, 2001 | M&A | Acquired Century National Bank merger for the acquired bank | SEC |
| April 18, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 18, 1998 | M&A | Acquired United Bank merger for the acquired bank | SEC |
| April 18, 1998 | Structure Change | Acquired United Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 7, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 7, 1997 | M&A | Acquired George Mason Bank, National Association merger for the acquired bank | SEC |
| June 7, 1997 | Structure Change | Acquired George Mason Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 19, 1992 | M&A | Acquired The Washington Bank failure_government_assistance_provided for the acquired bank | SEC |
| September 19, 1992 | Structure Change | Acquired The Washington Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| September 18, 1992 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 38 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 3.2% of deposits in VA, rank 7 of 102 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 4,794 applications, 3,094 loans originated, $1.50B originated, across 19 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $212K approved, $212K 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).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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 $33.64 billion in its FFIEC call report.
Where is United Bank headquartered?
It is headquartered in Fairfax, VA, United States.
When was United Bank founded?
It was established in 1979, per the FDIC institution directory.
Is United Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #22858). 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 Federal Reserve.
What is United Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.69% 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?
It operates 237 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?
Its Texas Ratio is 3.13% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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