United Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 17.02 percentage points higher than in Q1 2026, at 253.01%. United Bank ranks 19th of 56 Virginia banks on return on assets, in the upper half at 1.61% (Q2 2026). The median for banks in the $10B-100B asset tier is 1.30% on return on assets. United Bank sits 0.31 points higher, at 1.61% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.69% |
| Tier 1 risk-based capital ratio | 13.69% |
| Total risk-based capital ratio | 14.91% |
| Tier 1 leverage ratio | 11.60% |
| Equity capital to assets | 16.69% |
| Tangible equity to tangible assets | 11.25% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.47% |
| Non-performing assets ratio | 0.38% |
| Net charge-off ratio | 0.08% |
| Texas ratio | 3.63% |
| Allowance for credit losses to loans | 1.20% |
| Reserve coverage of non-performing loans | 253.01% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.61% |
| Return on equity | 9.72% |
| Net interest margin | 3.79% |
| Efficiency ratio | 44.73% |
| Yield on earning assets | 5.46% |
| Cost of funds | 1.86% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.56% |
| Core deposits to total deposits | 92.18% |
| Brokered deposits to total deposits | 1.24% |
| Deposits to assets | 81.27% |
| Securities to assets | 9.88% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.15% | 13.15% | 14.18% | 11.44% | 1.38% |
| Q4 2023 | 13.32% | 13.32% | 14.36% | 11.53% | 1.18% |
| Q1 2024 | 13.39% | 13.39% | 14.53% | 11.54% | 1.25% |
| Q2 2024 | 13.64% | 13.64% | 14.80% | 11.74% | 1.41% |
| Q3 2024 | 13.95% | 13.95% | 15.11% | 11.85% | 1.38% |
| Q4 2024 | 14.26% | 14.26% | 15.43% | 11.83% | 1.36% |
| Q1 2025 | 13.52% | 13.52% | 14.77% | 11.53% | 1.14% |
| Q2 2025 | 13.72% | 13.72% | 14.95% | 11.57% | 1.58% |
| Q3 2025 | 13.65% | 13.65% | 14.85% | 11.55% | 1.56% |
| Q4 2025 | 13.75% | 13.75% | 14.95% | 11.53% | 1.61% |
| Q1 2026 | 13.64% | 13.64% | 14.84% | 11.54% | 1.49% |
| Q2 2026 | 13.69% | 13.69% | 14.91% | 11.60% | 1.61% |
United Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock United Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full United Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22858) · FFIEC NIC profile (RSSD 365325)