Bank call report · Zebulon, GA
United Bank Call Report
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United Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 431 reported line items, schedule by schedule (717 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 37435 |
| FDIC certificate number | 172 |
| Total assets | $2.16B |
Official Q2 2026 call report PDF (FFIEC) →
United Bank call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (27 items)
About Schedule RC · United Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $2.16B |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $2.16B |
| Total Liabilities and Minority Interest | RCON2948 | $1.90B |
| Total Deposits | RCON2200 | $1.88B |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $1.13B |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $944.9M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $925.8M |
| Deposits: Noninterest-bearing | RCON6631 | $748.5M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $709.2M |
| Interest-bearing Balances | RCON0071 | $349.0M |
| Total Equity Capital | RCON3210 | $260.0M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $260.0M |
| Undivided Profits and Capital Reserves | RCON3632 | $219.8M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $71.6M |
| Surplus | RCON3839 | $60.0M |
| Held to maturity securities (ASU 2016-13 adoption) | RCONJJ34 | $46.6M |
| Held-to-maturity Securities, Total | RCON1754 | $46.6M |
| Other Assets | RCON2160 | $28.9M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $20.9M |
| Accumulated Other Comprehensive Income | RCONB530 | -$20.9M |
| Allowance for Loan and Lease Losses | RCON3123 | $19.1M |
| Other Liabilities, Total | RCON2930 | $16.9M |
| Intangible Assets | RCON2143 | $5.4M |
| Goodwill | RCON3163 | $2.9M |
| Loans and Leases Held for Sale | RCON5369 | $1.6M |
| Common Stock | RCON3230 | $1.0M |
| Other Real Estate Owned | RCON2150 | $36K |
Schedule RI: Income Statement (41 items)
About Schedule RI · United Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $57.5M |
| Net Interest Income | RIAD4074 | $52.3M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $36.5M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $36.1M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $36.1M |
| Total Noninterest Expense | RIAD4093 | $31.7M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $27.9M |
| Net Income (Loss) | RIAD4340 | $27.9M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $27.9M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $19.2M |
| Salaries and Employee Benefits | RIAD4135 | $19.0M |
| Total Noninterest Income | RIAD4079 | $16.1M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $11.6M |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $9.4M |
| Applicable Income Taxes | RIAD4302 | $8.1M |
| Other Noninterest Expense | RIAD4092 | $7.8M |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $7.0M |
| Other Noninterest Income | RIADB497 | $6.3M |
| Total Interest Expense | RIAD4073 | $5.2M |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $5.2M |
| Expenses of Premises and Fixed Assets | RIAD4217 | $4.9M |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $3.0M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $2.6M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $2.5M |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $1.7M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $1.7M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $1.6M |
| Interest on Other Securities | RIAD4060 | $1.6M |
| Provision for Loan and Lease Losses | RIAD4230 | $714K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $714K |
| Net Servicing Fees | RIADB492 | $695K |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $357K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $284K |
| Net Gains (Losses) on Sales of Loans | RIAD5416 | $261K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $199K |
| Loans to Individuals for Households, Family, and Other Personal Expenditures: Credit Cards | RIADB485 | $175K |
| Estimated Income on Tax-exempt Loans and Leases to States and Political Subdivisions in the U.S. | RIAD4313 | $66K |
| Net Gains (Losses) on Other Real Estate Owned | RIAD5415 | $51K |
| Other Interest Income | RIAD4518 | $50K |
| Interest and Fee Income on Loans to Finance Agricultural Production and Other Loans to Farmers in Domestic Offices | RIAD4024 | $2K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 418 |
Schedule RC-B: Securities (43 items)
About Schedule RC-B · United Bank securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $189.9M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $182.7M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $735.7M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $254.6M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $240.6M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $132.7M |
| Pledged Securities | RCON0416 | $128.7M |
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCON1286 | $103.6M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $103.4M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $102.9M |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCON1287 | $102.7M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $94.1M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $92.0M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $80.5M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $64.7M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK144 | $55.7M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK145 | $53.2M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $51.9M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $51.6M |
| Total Fair Value of Held-to-maturity Securities | RCON1771 | $44.4M |
| Amortized Cost of Other Available-for-sale Domestic Debt Securities | RCON1739 | $42.5M |
| Fair Value of Other Available-for-sale Domestic Debt Securities | RCON1741 | $42.3M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $41.7M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $40.3M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $27.8M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $24.1M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $23.5M |
| US government agency obligations (exclude mortgage-backed securities), Held-to-maturity, Amortized Cost | RCONHT50 | $19.0M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA557 | $18.8M |
| US government agency obligations (exclude mortgage-backed securities), Held-to-maturity, Fair Value | RCONHT51 | $18.5M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK152 | $13.4M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Held-to-maturity, Amortized Cost | RCONHT54 | $13.1M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA558 | $12.6M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK153 | $12.6M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Held-to-maturity, Fair Value | RCONHT55 | $12.1M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA556 | $9.0M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities: Issued or Guaranteed by Fnma,fhlmc or GNMA: Held-to-maturity Amortized Cost | RCONK142 | $8.9M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Held-to-maturity Fair Value | RCONK143 | $8.4M |
| Amortized Cost of Other Held-to-maturity Domestic Debt Securities | RCON1737 | $3.0M |
| Fair Value of Other Held-to-maturity Domestic Debt Securities | RCON1738 | $2.9M |
| Amortized Cost of Held-to-maturity Securities Issued by States and Political Subdivisions in the U.S. | RCON8496 | $2.6M |
| Fair Value of Held-to-maturity Securities Issued by States and Political Subdivisions in the U.S. | RCON8497 | $2.5M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONA555 | $118K |
Schedule RC-C, Part I: Loans and Leases (34 items)
About Schedule RC-C, Part I · United Bank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $946.5M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $402.3M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $255.8M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $188.6M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $152.1M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $148.8M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $142.3M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $127.0M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $112.5M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $107.2M |
| Pledged Loans and Leases | RCONG378 | $79.8M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $79.6M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $79.1M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $73.7M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $73.2M |
| Commercial and Industrial Loans | RCON1766 | $60.5M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $41.7M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $40.7M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $33.4M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $24.2M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $22.5M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $16.1M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $13.3M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $12.2M |
| Other Loans | RCONJ464 | $11.4M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $9.9M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $7.0M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $7.0M |
| Real Estate Loans Secured by Farmland | RCON1420 | $6.3M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Credit Cards | RCONB538 | $3.1M |
| Obligations (Other Than Securities and Leases) of States and Political Subdivisions in the U.S. | RCON2107 | $2.3M |
| Revolving, open-end lines of credit secured by 1-4 family residential properties that have converted to non-revolving closed-end status that are included in item 1.c(1) above | RCONLE75 | $2.1M |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $32K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $30K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (20 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $77.6M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $20.5M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $19.5M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $12.3M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $11.7M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $5.0M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5583 | $3.3M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5581 | $938K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5579 | $379K |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5585 | $32K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 1,021 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 234 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 165 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 143 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 109 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 53 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5582 | 12 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 11 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5580 | 9 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5584 | 2 |
Schedule RC-E: Deposit Liabilities (24 items)
About Schedule RC-E · United Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Transaction Accounts | RCON2215 | $1.27B |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $1.06B |
| Total Demand Deposits (See Note Below) | RCON2210 | $748.5M |
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $613.5M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $586.2M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $240.0M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $218.0M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $211.2M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $108.8M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $98.1M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $77.8M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $41.5M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $37.2M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $31.1M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $27.2M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $23.4M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $15.8M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $12.3M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $10.1M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $7.4M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $6.9M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $5.4M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $2.5M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK15 | $958K |
Schedule RC-F: Other Assets (5 items)
Schedule RC-G: Other Liabilities (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Expenses Accrued and Unpaid | RCON3646 | $11.2M |
| All Other Liabilities | RCON2938 | $2.8M |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $2.3M |
| Third Itemized Amount That Exceeds 25% of All Other Liabilities (2938) or (2942) | RCON3554 | $1.8M |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $669K |
| Operating lease liabilities | RCONLB56 | $152K |
Schedule RC-K: Quarterly Averages (16 items)
About Schedule RC-K · United Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $2.18B |
| Quarterly Average of Total Loans | RCON3360 | $944.7M |
| Mortgage-backed Securities | RCONB559 | $528.8M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $517.6M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $508.4M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $468.6M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $325.1M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $305.5M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $167.6M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $140.5M |
| All Other Securities | RCONB560 | $70.3M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $58.7M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $52.0M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $16.2M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Credit Cards | RCONB561 | $3.2M |
| Quarterly Average of Loans to Finance Agricultural Production and Other Loans to Farmers | RCON3386 | $34K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (8 items)
About Schedule RC-L · United Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $114.4M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $85.6M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $47.5M |
| Unused Commitments - Credit Card Lines | RCON3815 | $17.1M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $14.8M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $12.7M |
| Total Gross Notional Amount of Interest Rate Derivative Contracts Held for Purposes Other Than Trading: Contracts Marked to Market | RCON8725 | $3.8M |
| Performance Standby Letters of Credit | RCON3821 | $3.2M |
Schedule RC-M: Memoranda (5 items)
About Schedule RC-M · United Bank memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $4.8M |
| Estimated Fair Value of Mortgage Servicing Assets | RCONA590 | $2.5M |
| Mortgage Servicing Assets | RCON3164 | $2.5M |
| All Other Real Estate Owned: 1-4 Family Residential Properties in Domestic Offices | RCON5510 | $36K |
| Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations | RCON6165 | 1 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (23 items)
About Schedule RC-N · United Bank past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $4.6M |
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $2.1M |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Past Due 30 Through 89 Days and Still Accruing | RCON5398 | $1.5M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $900K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $794K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF178 | $640K |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $453K |
| Loans Secured by Other Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF179 | $384K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-nonaccural | RCONC230 | $333K |
| 1-4 Family Residential Construction Loans, Nonaccrual | RCONF176 | $323K |
| Other Construction Loans and All Land Development and Other Land Loans, Past Due 31 - 89 Days | RCONF173 | $276K |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $252K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 30 Through 89 Days and Still Accruing | RCONK213 | $210K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, Nonaccrual | RCONF182 | $190K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $102K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Nonaccrual | RCONK218 | $95K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 90 Days or More and Still Accruing | RCONC237 | $90K |
| Total Loans and Lease Financing Receivables: Past Due 90 Days or More and Still Accruing | RCON1407 | $90K |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Multifamily (5 or More) Residential Properties - Past Due 30 Through 89 Days and Still Accruing | RCON3499 | $89K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Credit Cards - Past Due 30 Through 89 Days and Still Accruing | RCONB575 | $63K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Nonaccrual | RCON5400 | $47K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Nonaccrual | RCONK215 | $39K |
| Other Construction Loans and All Land Development and Other Land Loans, Nonaccrual | RCONF177 | $15K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (13 items)
About Schedule RC-O · United Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $2.18B |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $1.88B |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $1.14B |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $708.7M |
| Estimated Amount of Uninsured Assessable Deposits in Domestic Offices of the Bank and in Insured Branches in Puerto Rico and U.S. Territories and Possessions, Including Related Interest Accrued and Unpaid | RCON5597 | $507.8M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $273.5M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $35.9M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $1.4M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 113,787 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 2,148 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 995 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 3 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-P: 1-4 Family Residential Mortgage Banking Activities (2 items)
Schedule RC-R: Regulatory Capital (2 items)
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (23 items)
About Schedule RC-R, Part I · United Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $2.18B |
| Average Total Assets (Net of Deductions) | RCOAA224 | $2.18B |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $1.14B |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $292.3M |
| Common Equity Tier 1 Capital | RCOAP859 | $277.9M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $277.9M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $277.9M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $260.0M |
| Retained Earnings | RCOAKW00 | $219.8M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $61.0M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$20.9M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$20.9M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $14.4M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $14.4M |
| Tier 2 Capital Before Deductions | RCOAP870 | $14.4M |
| Goodwill Net of Associated Deferred Tax Liabilities (Dtls) | RCOAP841 | $2.9M |
| Less: Deductions from Common Equity Tier 1 Capital and Additional Tier 1 Capital (Sum of Items 6, 7, 8, 10.B, 11, 13 Through 17 and Certain Elements of Item 24 - See Instructions) | RCOAP875 | $2.9M |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.2561 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.2435 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.2435 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.1761 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1275 |
Schedule RC-R, Part II: Risk-Weighted Assets (62 items)
About Schedule RC-R, Part II · United Bank risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $1.15B |
| Total Risk-weighted Assets | RCONG641 | $1.14B |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $917.5M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $917.5M |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $847.3M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $709.2M |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $637.5M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $636.3M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $617.1M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $617.1M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $536.5M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $532.7M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $490.5M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $420.6M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $339.5M |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $306.5M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $202.2M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $202.2M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $189.1M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $186.1M |
| Unconditionally Cancellable Commitments | RCONS540 | $131.5M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $123.4M |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $121.8M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $119.5M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $101.1M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $81.1M |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $60.9M |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $60.9M |
| Total All Other Assets | RCOND981 | $55.2M |
| Total Held-to-maturity Securities | RCOND961 | $46.6M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $45.0M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$42.6M |
| Available-for-sale Securities - 100 Pct Risk Weight Category | RCOND970 | $42.5M |
| Held-to-maturity Securities - 20 Pct Risk Weight Category | RCOND963 | $41.9M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $38.8M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$26.5M |
| Available-for-sale Securities - 50 Pct Risk Weight Category | RCOND969 | $13.6M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCONS530 | $7.8M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $7.8M |
| Risk-weighted Assets by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS573 | $6.2M |
| All Other Off- Balance Sheet Liabilities - 0 Pct Risk Weight Category | RCONG620 | $3.8M |
| All Other Off- Balance Sheet Liabilities - Credit Equivalent Amount | RCONG619 | $3.8M |
| All Other Off- Balance Sheet Liabilities - Face, Notional or Other Amount | RCONG618 | $3.8M |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $3.6M |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Face, Notional, or Other Amount | RCOND997 | $3.2M |
| Held-to-maturity Securities - 100 Pct Risk Weight Category | RCOND965 | $3.0M |
| All Other Assets - Adjustments to Totals Reported in Column a | RCONS469 | $2.9M |
| All Other Assets - 250 Pct Risk Weight Category | RCONH293 | $2.5M |
| The total of all components in the 250% balance sheet asset category on Call Report Schedule RC-R is multiplied by 250% | RCONS504 | $2.5M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS562 | $2.5M |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - 100 Pct Risk Weight Category | RCONG605 | $1.6M |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Credit Equivalent Amount | RCOND998 | $1.6M |
| Loans and Leases Held for Sale, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS416 | $1.6M |
| Total Loans and Leases Held for Sale, Residential Mortgage Exposures | RCONS413 | $1.6M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 0 Pct Risk Weight Category | RCONS459 | $1.2M |
| All Other Assets - 0 Pct Risk Weight Category | RCOND982 | $1.1M |
| Held-to-maturity Securities - 0 Pct Risk Weight Category | RCOND962 | $966K |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 100 Pct Risk Weight Category | RCONS454 | $914K |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $914K |
| Allocation by Risk Weight Category 0%, Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONH178 | $843K |
| Held-to-maturity Securities - 50 Pct Risk Weight Category | RCOND964 | $788K |
| All Other Assets - 50 Pct Risk Weight Category | RCOND984 | $105K |
Schedule RC-T: Fiduciary and Related Services (37 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Fiduciary Accounts - Managed Assets | RCONB894 | $1.48B |
| Investment Management Agency Accounts - Managed Assets | RCONB886 | $1.00B |
| Total Fiduciary Accounts - Non-managed Assets | RCONB895 | $363.2M |
| Other Retirement Accounts - Managed Assets | RCONB880 | $270.4M |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Managed Assets | RCONJ259 | $270.1M |
| Employee Benefit-defined Contribution - Non-managed Assets | RCONB873 | $219.7M |
| Personal Trust and Agency Accounts - Managed Assets | RCONB868 | $109.3M |
| Fiduciary and Related Assets:foundation and Endowment Trust and Agency Accounts - Managed Assets | RCONJ255 | $93.9M |
| Fiduciary and Related Assets:investment Mgmt and Investment Advisory Agency Accounts -Non-managed Assets | RCONJ253 | $92.1M |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Non-managed Asset | RCONJ260 | $50.8M |
| Other Retirement Accounts - Non-managed Assets | RCONB881 | $50.8M |
| Income from Fiduciary Activities | RIAD4070 | $3.6M |
| Employee Benefit-defined Benefit - Managed Assets | RCONB876 | $2.6M |
| Employee Benefit-defined Contribution - Managed Assets | RCONB872 | $2.1M |
| Fiduciary and Related Services Income-investment Management and Investment Advisory Agency Accounts | RIADJ315 | $1.8M |
| Other Retirement Accounts | RIADB907 | $1.2M |
| Fiduciary and Related Assets:foundation and Endowment Trust and Agency Accounts - Non-managed Assets | RCONJ256 | $520K |
| Personal Trust and Agency Accounts | RIADB904 | $346K |
| Fiduciary and Related Services Income-foundation and Endowment Trust and Agency Accounts | RIADJ316 | $185K |
| Employee Benefit-defined Contribution | RIADB905 | $84K |
| Personal Trust and Agency Accounts - Non-managed | RCONB869 | $79K |
| Employee Benefit-defined Benefit | RIADB906 | $2K |
| Total Fiduciary Accounts - Number of Managed Accounts | RCONB896 | 3,643 |
| Investment Management Agency Accounts - Number of Managed Accounts | RCONB888 | 1,951 |
| Other Retirement Accounts - Number of Managed Accounts | RCONB882 | 1,466 |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Number of Managed Accounts | RCONJ261 | 1,464 |
| Total Fiduciary Accounts - Non-managed Accounts | RCONB897 | 183 |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Number of Non-managed Accounts | RCONJ262 | 164 |
| Other Retirement Accounts - Number of Non-managed Accounts | RCONB883 | 164 |
| Personal Trust and Agency Accounts - Number of Managed Accounts | RCONB870 | 140 |
| Fiduciary and Related Assets:foundation and Endowment Trust and Agency Accounts - Number of Managed Accounts | RCONJ257 | 69 |
| Employee Benefit-defined Contribution - Number of Managed Accounts | RCONB874 | 16 |
| Fiduciary and Related Assets:investment Management and Investment Advisory Agency Accounts - Number of Non-managed Accounts | RCONJ254 | 15 |
| Employee Benefit-defined Contribution - Number of Non-managed Accounts | RCONB875 | 2 |
| Employee Benefit-defined Benefit - Number of Managed Accounts | RCONB878 | 1 |
| Fiduciary and Related Assets:foundation and Endowment Trust and Agency Accounts - Number of Non-managed Accounts | RCONJ258 | 1 |
| Personal Trust and Agency Accounts - Number of Non-managed Accounts | RCONB871 | 1 |
Schedule RI-A: Changes in Bank Equity Capital (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $260.0M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $238.3M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $238.3M |
| Other Comprehensive Income | RIADB511 | -$6.3M |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (16 items)
About Schedule RI-B, Part I · United Bank charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $501K |
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $491K |
| Recoveries on Commercial and Industrial Loans | RIAD4608 | $180K |
| Charge-offs on Commercial and Industrial Loans | RIAD4638 | $129K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $122K |
| Recoveries on Automobile Loans | RIADK133 | $105K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties: Charge-offs | RIADC895 | $103K |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $93K |
| Charge-offs on Automobile Loans | RIADK129 | $83K |
| Charge-offs on Loans to Credit Cards | RIADB514 | $63K |
| Recoveries on Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens | RIADC217 | $49K |
| Recoveries on Loans to Credit Cards | RIADB515 | $22K |
| Other Construction Loans and All Land Development and Other Land Loans, Charge-offs | RIADC893 | $20K |
| Recoveries on Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RIAD5412 | $15K |
| Other Construction Loans and All Land Development and Other Land Loans, Recoveries | RIADC894 | $7K |
| Recoveries on Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens | RIADC218 | $1K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (3 items)
About Schedule RI-B, Part II · United Bank changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $19.1M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $18.4M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $491K |
Schedule RI-C: Disaggregated Data on the Allowance for Credit Losses (15 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Loans and Leases, Held for Investment, Total, Amortized Cost | RCONJJ11 | $942.5M |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Amortized Cost | RCONJJ06 | $317.5M |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Amortized Cost | RCONJJ05 | $297.4M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Amortized Cost | RCONJJ04 | $200.7M |
| Loans and Leases, Held for Investment, Commerical loans, Amortized Cost | RCONJJ07 | $73.1M |
| Loans and Leases, Held for Investment, Other consumer loans, Amortized Cost | RCONJJ09 | $50.7M |
| Loans and Leases, Held for Investment, Total, Allowance Balance | RCONJJ19 | $19.1M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Allowance Balance | RCONJJ12 | $6.3M |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Allowance Balance | RCONJJ14 | $6.1M |
| Loans and Leases, Held for Investment, Credit cards, Amortized Cost | RCONJJ08 | $3.1M |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Allowance Balance | RCONJJ13 | $3.1M |
| Loans and Leases, Held for Investment, Commerical loans, Allowance Balance | RCONJJ15 | $1.4M |
| Loans and Leases, Held for Investment, Other consumer loans, Allowance Balance | RCONJJ17 | $1.1M |
| Loans and Leases, Held for Investment, Unallocated, Allowance Balance | RCONJJ18 | $776K |
| Loans and Leases, Held for Investment, Credit cards, Allowance Balance | RCONJJ16 | $507K |
Schedule SU: Supplemental Information (2 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Outstanding Principal Balance of Closed End 1-4 Family Residential Mortgage Loans Serviced for Others Plus the Total Outstanding Principal Balance of Other Financial Assets Serviced for Others If More Than $10 Million | RCONFT12 | $408.8M |
| Total Outstanding Principal Balance of Assets Sold by the Reporting Institution with Recourse or Other Seller Provided Credit Enhancements, But Not Securitized by the Reporting Institution | RCONFT10 | $9.3M |
United Bank call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the United Bank call report?
The United Bank call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does United Bank file?
United Bank files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the United Bank call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: United Bank has Federal Reserve RSSD ID 37435 and FDIC certificate number 172. Either one finds its filings on the FFIEC Central Data Repository.
How often does United Bank file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
United Bank financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 172) · FFIEC NIC profile (RSSD 37435)