United Bank (Atmore, AL)
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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 Atmore, AL, established in 1904 (FDIC certificate 58), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.48B, up 4.5% from Q2 2025, the 9th largest of 93 banks headquartered in Alabama. Its CET1 capital ratio was 20.70% 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
- 58
- Headquarters
- Atmore, AL
- Established
- 1904
- Total assets, Q2 2026
- $1.48B
- Assets vs Q2 2025
- +4.5%
- CET1 ratio, Q2 2026
- 20.70%
- Domestic offices
- 20 FDIC institution directory, current count
- Routing number
- 062102098
- Latest call report
- Q2 2026, FFIEC 051 · United Bank call report
- Holding company
- UNITED BANCORPORATION OF ALABAMA, INC.
- Asset rank in state
- 9th of 93 in Alabama
United Bank carries far more capital than most banks of its size. Its balance sheet stood at $1.5 billion at June 30, 2026, up 4.5% from a year earlier; it is based in Atmore, Alabama. It holds common equity equal to 20.70% of its risk-weighted assets, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 13.52%). On the other hand, it holds about half of its deposits (48%) above the FDIC insurance limit, higher than about three-quarters of banks its size (median 30.9%).
Its $198 million commercial and industrial book is improving, with 0.41% past due or on nonaccrual, down from 2.43% a year earlier. Problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.24% of loans from 1.03% a year earlier.
As of June 30, 2026, United Bank reported a CET1 capital ratio of 20.70%, a return on assets of 1.47%, a nonperforming-loan ratio of 1.35% and a Texas ratio of 5.72%. The figures come from its call report filed with the FFIEC.
Of the 93 banks headquartered in Alabama, United Bank is the 9th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 2.0% to $1.48B, loans rose 4.2% and deposits rose 2.0%. Its loan book on June 30, 2026 was led by commercial and industrial loans, at 21.1% of total loans, followed by owner-occupied commercial real estate loans at 15.9%. The FDIC Summary of Deposits lists 19 offices for it, in 17 cities across 2 states; its Atmore office books 26% of its branch deposits. By the capital ratios in its Q2 2026 call report, United Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 200 E Nashville Ave, Atmore, AL 36502
- County
- Escambia
- 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
- —
- Call Report form
- FFIEC 051
- Established
- January 4, 1904
- Domestic offices
- 20 FDIC institution directory, current count
- Employees (FTE)
- 278
- Domestic deposits
- $1.22B
- Allowance for credit losses
- $12.4M
- Net charge-offs (YTD)
- $124K
- Average total assets
- $1.49B
- Average total loans
- $917.5M
- Average interest-bearing deposits
- $689.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 58
- Fed RSSD
- 994435
- SEC CIK
- 704561 → filed by UNITED BANCORPORATION OF ALABAMA, INC.
- Website
- http://www.unitedbank.com →
- Parent Holding Company
- UNITED BANCORPORATION OF ALABAMA, INC. (RSSD 1083895)
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 $1.16B (Q3 2023) to $1.48B (Q2 2026), 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
$1.48B total assets against $1.42B; $1.26B total liabilities against $1.22B.
$929.8M net loans and leases against $880.6M; $1.22B total deposits against $1.18B.
$304.2M securities against $286.1M; $115.2M cash and balances due against $168.8M.
$19.6M total interest income against $19.3M; $4.1M total interest expense against $3.9M.
$15.4M net interest income against $15.3M.
$2.5M total noninterest income against $2.7M; $10.8M total noninterest expense against $10.5M.
$110K provision for credit losses against $954K.
$5.5M net income against $5.1M.
1.47% return on assets against 1.40%; 4.54% net interest margin against 4.60%.
20.70% CET1 capital ratio against 20.55%; 15.79% tier 1 leverage ratio against 14.89%.
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 123 of 980, for uninsured deposits; its furthest is 1,802 of 3,606, for efficiency ratio.
Metric pages for United Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.11% (Q1 2026) to 2.09% (Q4 2024) and its net interest margin ran from 4.24% (Q1 2026) to 5.20% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 20.70% | 1.47% | 1.35% | 5.72% | 4.54% |
| Q1 2026 | 20.87% | 1.11% | 1.78% | 7.35% | 4.24% |
| Q4 2025 | 20.74% | 1.21% | 1.77% | 7.44% | 4.49% |
| Q3 2025 | 20.32% | 1.25% | 0.89% | 4.14% | 4.58% |
| Q2 2025 | 20.55% | 1.40% | 1.09% | 5.44% | 4.60% |
| Q1 2025 | 20.36% | 1.30% | 1.56% | 7.21% | 4.48% |
| Q4 2024 | 20.07% | 2.09% | 1.55% | 8.24% | 4.57% |
| Q3 2024 | 19.36% | 1.74% | 1.79% | 9.56% | 5.20% |
Swipe the table sideways to see every column.
Branch Network
View all 19 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 |
|---|---|---|---|
| United Bank (main office) | Atmore , AL | 36502 | $321.9M |
| Berryhill Road Branch | Milton , FL | 32570 | $101.5M |
| Bay Minette Branch | Bay Minette , AL | 36507 | $94.3M |
| Camden Branch | Camden , AL | 36726 | $79.8M |
| Monroeville Branch | Monroeville , AL | 36460 | $70.6M |
| Magnolia Springs | Foley , AL | 36535 | $63.8M |
| Jay Fl Branch | Jay , FL | 32565 | $62.8M |
| Frisco City Branch | Frisco City , AL | 36445 | $58.9M |
| Lillian Branch | Lillian , AL | 36549 | $57.6M |
| Mckenzie Branch | Foley , AL | 36535 | $49.5M |
| Pace Fl Branch | Pace , FL | 32571 | $45.9M |
| Loxley Branch | Loxley , AL | 36551 | $43.9M |
| Semmes Branch | Semmes , AL | 36575 | $39.7M |
| Broad Street Branch | Silverhill , AL | 36576 | $39.2M |
| Flomaton Branch | Flomaton , AL | 36441 | $30.7M |
| Daphne Branch | Daphne , AL | 36526 | $23.2M |
| Summerdale Branch | Summerdale , AL | 36580 | $21.5M |
| Brewton Branch | Brewton , AL | 36426 | $19.6M |
| Bay Minette Branch | Bay Minette , AL | 36507 | $0 |
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 |
|---|---|---|---|
| October 1, 2024 | Structure Change | Acquired Town Country United Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 30, 2024 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 6, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 31, 1984 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 31, 1984 | Structure Change | Charter Discontinued (Merger or Purchase & Assumption) | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 5 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.7% of deposits in AL, rank 26 of 131 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 3 loans, $963K approved, $321K 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 $1.48 billion in its FFIEC call report.
Where is United Bank headquartered?
It is headquartered in Atmore, AL, United States.
When was United Bank founded?
It was established in 1904, per the FDIC institution directory.
Is United Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58). 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 20.70% 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 20 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 5.72% 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.
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