Bank Safety Analysis
Is United Bank Safe? Fairfax, Virginia
Based on its Q2 2026 call report, United Bank meets every capital ratio test for well capitalized, its Texas ratio is 3.13%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer
On its Q2 2026 call report, United Bank's CET1 ratio is 13.69%, above the 6.5% well-capitalized threshold.
- CET1 ratio (Q2 2026): 13.69%
- Tier 1 leverage ratio (Q2 2026): 11.60%
- Texas ratio (Q2 2026): 3.13%
- Noncurrent loans ratio (Q2 2026): 0.44%
United Bank is an FDIC-insured commercial bank (FDIC Certificate #22858). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Context: largest US bank failures · what these ratios mean · how we score.
United Bank passes all 5 scorecard dimensions, but not every risk screen below is clear. 1 risk screen is flagged: commercial real estate to capital. Analysis based on the Q2 2026 call report.
In Q2 2026, return on assets edged up by 0.12 percentage points, from 1.49% to 1.61%, the largest move among the key lines here. United Bank ranks 27th of 44 Virginia banks on CET1 ratio, in the lower half at 13.69% (Q2 2026). United Bank reported 13.69% on CET1 ratio for Q2 2026, 0.73 points above the 12.96% median for banks in the $10B-100B asset tier. From Q3 2023 to Q2 2026, United Bank's CET1 ratio ranged between 13.15% (Q3 2023) and 14.26% (Q4 2024) and its Texas ratio ranged between 1.51% (Q3 2023) and 3.30% (Q3 2025). Between Q2 2025 and Q2 2026, United Bank's CET1 ratio fell from 13.72% to 13.69%, nonperforming loan ratio (nonaccrual plus 90+ days past due) rose from 0.28% to 0.44%, Texas ratio rose from 2.02% to 3.13% and return on assets rose from 1.58% to 1.61%.
Data as of · sourced from FFIEC call reports. How we update
This bank has more than $10 billion in assets. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. The page therefore shows no score or tier for it.
Scorecard by dimension
Peer cohort: $10B to $100B (136 banks) · Industry averages as of Q2 2026.
CET1 of 13.69% sits comfortably above the 6.5% well-capitalized threshold under Prompt Corrective Action and the 7.0% level required once the capital conservation buffer is included.
Tier 1 leverage of 11.60% is above the 5% well-capitalized threshold.
Nonperforming loans at 0.44% are within industry-normal range.
Texas Ratio of 3.1% is well below the 100% historical failure threshold.
Efficiency ratio of 44.7% reflects competitive operating costs (lower is better).
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | 13.69% | Flags below 7% | Within range |
| Texas ratio BankRegReports band | 3.13% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | 0.44% | Flags at 3% or above | Within range |
| Uninsured deposit share BankRegReports band | 38.29% | Watch at 50%, concern at 70% | Within range |
| Loan-to-deposit ratio BankRegReports band | 91.56% | Flags at 100% or above | Within range |
| Commercial real estate to capital supervisory threshold | 308.26% | Watch at 200%, concern at 300% | Flagged |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Watch at 10%, concern at 25% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q2 2026 | 13.69% |
| Q1 2026 | 13.64% |
| Q4 2025 | 13.75% |
| Q3 2025 | 13.65% |
| Q2 2025 | 13.72% |
| Q1 2025 | 13.52% |
| Q4 2024 | 14.26% |
| Q3 2024 | 13.95% |
| Q2 2024 | 13.64% |
| Q1 2024 | 13.39% |
| Q4 2023 | 13.32% |
| Q3 2023 | 13.15% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 3.13% |
| Q1 2026 | 2.96% |
| Q4 2025 | 2.89% |
| Q3 2025 | 3.30% |
| Q2 2025 | 2.02% |
| Q1 2025 | 1.96% |
| Q4 2024 | 2.18% |
| Q3 2024 | 1.95% |
| Q2 2024 | 2.08% |
| Q1 2024 | 2.40% |
| Q4 2023 | 1.52% |
| Q3 2023 | 1.51% |
United Bank by quarter
| Quarter end | CET1 | NPL ratio | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | 13.69% | 0.44% | 3.13% | 1.61% |
| Mar 31, 2026 | 13.64% | 0.41% | 2.96% | 1.49% |
| Dec 31, 2025 | 13.75% | 0.41% | 2.89% | 1.61% |
| Sep 30, 2025 | 13.65% | 0.48% | 3.30% | 1.56% |
| Jun 30, 2025 | 13.72% | 0.28% | 2.02% | 1.58% |
| Mar 31, 2025 | 13.52% | 0.29% | 1.96% | 1.14% |
| Dec 31, 2024 | 14.26% | 0.34% | 2.18% | 1.36% |
| Sep 30, 2024 | 13.95% | 0.30% | 1.95% | 1.38% |
| Jun 30, 2024 | 13.64% | 0.30% | 2.08% | 1.41% |
| Mar 31, 2024 | 13.39% | 0.34% | 2.40% | 1.25% |
| Dec 31, 2023 | 13.32% | 0.21% | 1.52% | 1.18% |
| Sep 30, 2023 | 13.15% | 0.20% | 1.51% | 1.38% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is United Bank FDIC insured?
Yes. United Bank is an FDIC-insured commercial bank (FDIC Certificate #22858). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is United Bank well capitalized?
On its Q2 2026 call report, United Bank's CET1 ratio is 13.69%, above the 6.5% well-capitalized threshold. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the Federal Reserve, applies.
What are United Bank's key safety ratios?
For Q2 2026, United Bank reports CET1 13.69%, leverage 11.60%, Texas ratio 3.13%, noncurrent loans 0.44%. The Texas ratio compares problem assets with tangible equity plus reserves; above 100% has historically signaled elevated failure risk.
What happens to my deposits if United Bank fails?
Insured deposits are protected up to $250,000 per depositor, per insured bank, per ownership category. If an insured bank fails, the FDIC pays insured depositors as soon as possible, usually the next business day.
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Free to use. It shows United Bank’s latest filed figures and updates each quarter.
Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FDIC BankFind (cert 22858) · FFIEC NIC profile (RSSD 365325)
Explore: Full United Bank profile · Other banks in VA · Metric glossary · How the call report works