United Bank (Zebulon, GA)
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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 Zebulon, GA, established in 1905 (FDIC certificate 172), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $2.16B, up 0.4% from Q2 2025, the 9th largest of 121 banks headquartered in Georgia. Its CET1 capital ratio was 24.35% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 172
- Headquarters
- Zebulon, GA
- Established
- 1905
- Total assets, Q2 2026
- $2.16B
- Assets vs Q2 2025
- +0.4%
- CET1 ratio, Q2 2026
- 24.35%
- Domestic offices
- 17 FDIC institution directory, current count
- Routing number
- 061107515
- Latest call report
- Q2 2026, FFIEC 051 · United Bank call report
- Holding company
- UNITED BANK CORPORATION
- Asset rank in state
- 9th of 121 in Georgia
United Bank is one of the more profitable banks of its size. The Zebulon, Georgia bank had $2.2 billion in assets at June 30, 2026. It earns about $2.42 a year on every $100 of assets, about double the median of $1.29 for the 895 banks with $1 billion to $10 billion in assets. It also keeps 5.15 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 banks its size (median 3.71 cents). Much of that comes from cost control: it spends about 49 cents to bring in each dollar of revenue.
Its $149 million non-owner-occupied commercial real estate book is improving, with 0.26% past due or on nonaccrual, down from 2.24% a year earlier. Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.23% of loans from 0.53%.
As of June 30, 2026, United Bank reported a CET1 capital ratio of 24.35%, a return on assets of 2.42%, a nonperforming-loan ratio of 0.23% and a Texas ratio of 0.80%. The figures come from its call report filed with the FFIEC.
Of the 121 banks headquartered in Georgia, United Bank is the 9th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 2.6% to $2.16B, loans rose 1.2% and deposits fell 3.3%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 32.5% of total loans, ahead of construction and land development loans at 21.2%. Its 17 offices in the FDIC Summary of Deposits are in 12 cities in GA; its Griffin 3 offices book 19% of its branch deposits. On its Q2 2026 call report, United Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 685 Griffin St, Zebulon, GA 30295
- County
- Pike
- Metro Area
- Atlanta-Sandy Springs-Roswell, GA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 31, 1905
- Former names
- United Bank of Pike (1984-1997)
- Domestic offices
- 17 FDIC institution directory, current count
- Employees (FTE)
- 418
- Domestic deposits
- $1.88B
- Allowance for credit losses
- $19.1M
- Net charge-offs (YTD)
- -$10K
- Average total assets
- $2.18B
- Average total loans
- $944.7M
- Average interest-bearing deposits
- $1.14B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 172
- Fed RSSD
- 37435
- Website
- www.accessunited.com →
- Parent Holding Company
- UNITED BANK CORPORATION (RSSD 1082777)
- Ultimate Parent
- RSSD 5937848
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
From Q3 2023 to Q2 2026, United Bank's total assets ranged from $2.10B (Q3 2024) to $2.33B (Q4 2025), 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
$2.16B total assets against $2.15B; $1.90B total liabilities against $1.90B.
$927.3M net loans and leases against $904.6M; $1.88B total deposits against $1.88B.
$755.9M securities against $650.0M; $420.6M cash and balances due against $540.5M.
$28.7M total interest income against $30.2M; $2.4M total interest expense against $2.6M.
$26.2M net interest income against $27.6M.
$8.2M total noninterest income against $7.8M; $16.8M total noninterest expense against $15.5M.
$592K provision for credit losses against $1.3M.
$13.2M net income against $14.1M.
2.42% return on assets against 2.62%; 5.15% net interest margin against 5.56%.
24.35% CET1 capital ratio against 24.85%; 12.75% tier 1 leverage ratio against 12.59%.
Inside the full United Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeUnited Bank rankings
Its closest position to the top of a national ranking is 194 of 3,611, for ROA; its furthest is 2,804 of 3,640, for Texas Ratio.
Metric pages for United Bank: ROA, CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 2.42% (Q2 2026) to 2.86% (Q1 2025) and its net interest margin ran from 5.02% (Q1 2026) to 5.56% (Q2 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 24.35% | 2.42% | 0.23% | 0.80% | 5.15% |
| Q1 2026 | 23.48% | 2.66% | 0.26% | 1.05% | 5.02% |
| Q4 2025 | 22.90% | 2.65% | 0.28% | 1.03% | 5.20% |
| Q3 2025 | 25.87% | 2.65% | 0.55% | 1.79% | 5.38% |
| Q2 2025 | 24.85% | 2.62% | 0.53% | 1.83% | 5.56% |
| Q1 2025 | 26.11% | 2.86% | 0.47% | 1.56% | 5.22% |
| Q4 2024 | 25.10% | 2.83% | 0.59% | 2.05% | 5.29% |
| Q3 2024 | 25.24% | 2.46% | 0.22% | 0.73% | 5.51% |
Swipe the table sideways to see every column.
Branch Network
View all 17 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 |
|---|---|---|---|
| 308 Thomaston Street Branch | Barnesville , GA | 30204 | $264.4M |
| 505 South Hill Street Branch | Griffin , GA | 30224 | $223.9M |
| Jackson Branch | Jackson , GA | 30233 | $215.3M |
| United Bank (main office) | Zebulon , GA | 30295 | $193.4M |
| Covington Branch | Covington , GA | 30014 | $177.2M |
| Thomaston Main Branch | Thomaston , GA | 30286 | $149.7M |
| Monroe County Bank Branch | Forsyth , GA | 31029 | $147.2M |
| First Coweta Bank Branch | Newnan , GA | 30263 | $100.6M |
| Madison Branch | Madison , GA | 30650 | $91.8M |
| Northside Branch | Griffin , GA | 30223 | $80.6M |
| Williamson Branch | Williamson , GA | 30292 | $66.3M |
| West Taylor Street Branch | Griffin , GA | 30223 | $53.4M |
| Bolingbroke Branch | Macon , GA | 31210 | $36.7M |
| The Woodbury Banking Company Branch | Woodbury , GA | 30293 | $34.7M |
| Newnan Branch | Newnan , GA | 30265 | $16.1M |
| Ingles Branch | Barnesville , GA | 30204 | $15.6M |
| Thomaston 19 North | Thomaston , GA | 30286 | $15.2M |
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 |
|---|---|---|---|
| August 20, 2016 | M&A | Acquired The Woodbury Banking Company failure_government_assistance_provided for the acquired bank | SEC |
| August 20, 2016 | Structure Change | Acquired The Woodbury Banking Company Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| August 19, 2016 | Merger | Participated in FDIC Assisted Merger | FDIC |
| August 1, 2014 | Structure Change | Acquired Monroe County Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 1, 2014 | M&A | Acquired Monroe County Bank merger for the acquired bank | SEC |
| July 31, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 23, 2010 | Structure Change | Acquired The First National Bank of Barnesville Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| October 23, 2010 | M&A | Acquired The First National Bank of Barnesville failure_government_assistance_provided for the acquired bank | SEC |
| October 22, 2010 | Merger | Participated in FDIC Assisted Merger | FDIC |
| August 22, 2009 | Structure Change | Acquired First Coweta Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| August 22, 2009 | M&A | Acquired First Coweta Bank failure_government_assistance_provided for the acquired bank | SEC |
| August 21, 2009 | Merger | Participated in FDIC Assisted Merger | FDIC |
| December 6, 2008 | Structure Change | Acquired First Georgia Community Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| December 6, 2008 | M&A | Acquired First Georgia Community Bank failure_government_assistance_provided for the acquired bank | SEC |
| December 5, 2008 | Merger | Participated in FDIC Assisted Merger | FDIC |
| January 21, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 1997 | M&A | Acquired United Bank of Griffin merger for the acquired bank | SEC |
| January 1, 1997 | Structure Change | Acquired United Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 18 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.5% of deposits in GA, rank 23 of 177 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $350K approved, $350K 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, Mortgage lending (HMDA), 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 $2.16 billion in its FFIEC call report.
Where is United Bank headquartered?
It is headquartered in Zebulon, GA, United States.
When was United Bank founded?
It was established in 1905, per the FDIC institution directory.
Is United Bank FDIC-insured?
Yes. It 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.
What is United Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 24.35% 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 17 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 0.80% 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.
What was United Bank previously called?
The charter now named United Bank has also operated as United Bank of Pike (1984-1997), per FDIC structure-change records.
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