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.
Reserve coverage of non-performing loans climbed 100.25 percentage points in Q2 2026, from 815.70% to 915.95%. It was the largest change from Q1 2026 among the key lines here. United Bank ranks 14th of 121 Georgia banks on return on assets, in the upper half at 2.42% (Q2 2026). United Bank's return on assets of 2.42% is well above the 1.28% median for banks in the $1B-10B asset tier, a gap of 1.14 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 24.35% |
| Tier 1 risk-based capital ratio | 24.35% |
| Total risk-based capital ratio | 25.61% |
| Tier 1 leverage ratio | 12.75% |
| Equity capital to assets | 12.04% |
| Tangible equity to tangible assets | 11.92% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.22% |
| Non-performing assets ratio | 0.10% |
| Net charge-off ratio | 0.10% |
| Texas ratio | 0.80% |
| Allowance for credit losses to loans | 2.02% |
| Reserve coverage of non-performing loans | 915.95% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.42% |
| Return on equity | 20.74% |
| Net interest margin | 5.15% |
| Efficiency ratio | 48.77% |
| Yield on earning assets | 5.63% |
| Cost of funds | 0.52% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 50.29% |
| Core deposits to total deposits | 99.16% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.18% |
| Securities to assets | 35.01% |
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 | 21.87% | 21.87% | 23.12% | 10.30% | 3.02% |
| Q4 2023 | 23.17% | 23.17% | 24.42% | 10.96% | 2.55% |
| Q1 2024 | 25.02% | 25.02% | 26.28% | 11.92% | 2.90% |
| Q2 2024 | 24.17% | 24.17% | 25.43% | 11.78% | 2.79% |
| Q3 2024 | 25.24% | 25.24% | 26.49% | 12.61% | 2.46% |
| Q4 2024 | 25.10% | 25.10% | 26.35% | 12.55% | 2.83% |
| Q1 2025 | 26.11% | 26.11% | 27.36% | 13.22% | 2.86% |
| Q2 2025 | 24.85% | 24.85% | 26.11% | 12.59% | 2.62% |
| Q3 2025 | 25.87% | 25.87% | 27.13% | 13.18% | 2.65% |
| Q4 2025 | 22.90% | 22.90% | 24.15% | 11.24% | 2.65% |
| Q1 2026 | 23.48% | 23.48% | 24.74% | 11.94% | 2.66% |
| Q2 2026 | 24.35% | 24.35% | 25.61% | 12.75% | 2.42% |
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.
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