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 21.83 percentage points in Q2 2026, from 74.59% to 96.42%. It was the largest change from Q1 2026 among the key lines here. Within Alabama, United Bank is 26th of 93 on return on assets, 1.47% as of Q2 2026, above the middle of the field. United Bank reported 1.47% on return on assets for Q2 2026, 0.19 points above the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 20.70% |
| Tier 1 risk-based capital ratio | 20.70% |
| Total risk-based capital ratio | 21.86% |
| Tier 1 leverage ratio | 15.79% |
| Equity capital to assets | 14.93% |
| Tangible equity to tangible assets | 14.54% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.36% |
| Non-performing assets ratio | 0.95% |
| Net charge-off ratio | 0.04% |
| Texas ratio | 6.48% |
| Allowance for credit losses to loans | 1.31% |
| Reserve coverage of non-performing loans | 96.42% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.47% |
| Return on equity | 9.99% |
| Net interest margin | 4.54% |
| Efficiency ratio | 59.81% |
| Yield on earning assets | 5.74% |
| Cost of funds | 1.33% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 76.95% |
| Core deposits to total deposits | 90.85% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 82.70% |
| Securities to assets | 20.55% |
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 | 16.16% | 16.16% | 17.41% | 11.94% | 1.90% |
| Q4 2023 | 17.19% | 17.19% | 18.44% | 12.48% | 2.92% |
| Q1 2024 | 17.48% | 17.48% | 18.73% | 12.88% | 1.84% |
| Q2 2024 | 17.57% | 17.57% | 18.82% | 13.37% | 1.58% |
| Q3 2024 | 19.36% | 19.36% | 20.61% | 14.41% | 1.74% |
| Q4 2024 | 20.07% | 20.07% | 21.32% | 14.46% | 2.09% |
| Q1 2025 | 20.36% | 20.36% | 21.62% | 14.70% | 1.30% |
| Q2 2025 | 20.55% | 20.55% | 21.77% | 14.89% | 1.40% |
| Q3 2025 | 20.32% | 20.32% | 21.48% | 15.20% | 1.25% |
| Q4 2025 | 20.74% | 20.74% | 21.89% | 15.38% | 1.21% |
| Q1 2026 | 20.87% | 20.87% | 22.06% | 15.49% | 1.11% |
| Q2 2026 | 20.70% | 20.70% | 21.86% | 15.79% | 1.47% |
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 58) · FFIEC NIC profile (RSSD 994435)