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United Bank

$1B-$10B Specialty: Commercial GA FDIC cert 172

Designations: ✓ Community bank

Zebulon, GA

17 branches across GA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 12 in GA.
  • Deposits +0.3% year over year ($1.9B on the books).
  • Delinquency rate 0.23%.
  • Return on assets 2.50%.
  • Efficiency ratio 46.27% vs a 59.73% peer average.
  • Loan-to-deposit ratio 49.27% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 12 in GA
View $1B-$10B leaderboard (GA) →

United Bank demonstrates 5 strengths

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Deposit Franchise: Top 12.5% in tier
  • + Revenue Diversifier: Top 15.8% in tier
  • + Return on Assets 1.11% above tier average
  • + Efficiency Ratio 13.46% below tier average
  • + Delinquency Rate 0.63% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when United Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Total Assets ? $2.2B
+0.4% YoY -2.6% QoQ
-$634.2M $2.8B
-0.6% YoY
$843.5M
+13.2% YoY
$6.3B
+7.7% YoY
53%
Total Loans ? $927.3M
+2.5% YoY +1.2% QoQ
-$1.0B $2.0B
-0.3% YoY
$581.6M
+14.3% YoY
$3.2B
+9.4% YoY
27%
Total Deposits ? $1.9B
+0.3% YoY -3.3% QoQ
-$436.7M $2.3B
-0.5% YoY
$711.6M
+12.3% YoY
$4.9B
+7.3% YoY
56%
Return on Assets ? 2.50%
-8.2% YoY -3.6% QoQ
+1.11% 1.39%
+17.0% YoY
1.55%
+0.3% YoY
1.30%
+12.1% YoY
Top 4.1% in tier
Net Interest Margin ? 4.95%
-5.8% YoY +2.2% QoQ
+1.08% 3.87%
+6.2% YoY
4.42%
+1.2% YoY
3.95%
+4.9% YoY
Top 5.6% in tier
Efficiency Ratio ? 46.27%
+7.8% YoY +5.9% QoQ
-13.46% 59.73%
-12.6% YoY
63.07%
+1.6% YoY
70.05%
+2.5% YoY
Top 14.4% in tier
Delinquency Rate ? 0.23%
-56.8% YoY -10.4% QoQ
-0.63% 0.87%
+11.7% YoY
0.77%
+14.9% YoY
0.98%
+16.3% YoY
76%
Loan-to-Deposit Ratio ? 49.27%
+2.3% YoY +4.6% QoQ
-35.77% 85.04%
-0.1% YoY
78.13%
+10.7% YoY
79.03%
+2.3% YoY
Top 3.6% in tier
Non-Interest-Bearing Deposit Share ? 39.77%
-1.3% YoY +3.8% QoQ
+18.50% 21.27%
-1.5% YoY
26.00%
-3.3% YoY
21.98%
-0.6% YoY
Top 4.4% in tier
Nonperforming Asset Ratio ? 0.10%
-55.1% YoY -17.8% QoQ
-0.57% 0.67%
+11.7% YoY
0.54%
+11.1% YoY
0.69%
+15.8% YoY
85%
Tier 1 Capital Ratio ? 24.35%
-2.0% YoY +3.7% QoQ
+9.51% 14.84%
-0.4% YoY
19.50%
+7.6% YoY
17.09%
+0.8% YoY
Top 4.4% in tier
Non-Interest Income / Assets ? 0.75%
+3.7% YoY +107.5% QoQ
+0.22% 0.53%
+2.5% YoY
0.44%
+3.6% YoY
0.66%
+5.2% YoY
Top 9.8% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Noninterest-Bearing 39.8%
-0.5pp YoY
+1.4pp QoQ
 +18.4pp 21.4% 26.2% 22.2% 96%
Brokered Deposits n/a n/a 9.5% 7.5% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
C&I 6.5%
-0.3pp YoY
-0.1pp QoQ
 -7.5pp 14.0% 9.7% 12.5% 26%
CRE 54.4%
+0.9pp YoY
+0.5pp QoQ
 +4.3pp 50.0% 48.9% 41.4% 63%
1-4 Family 33.2%
+1.3pp YoY
0.0pp QoQ
 +6.8pp 26.4% 31.7% 31.3% 72%
Consumer 5.8%
-1.5pp YoY
-0.4pp QoQ
 +1.1pp 4.7% 4.8% 5.0% 83%

Capital

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
CET1 Ratio 24.4%
-0.5pp YoY
+0.9pp QoQ
 +8.8pp 15.6% 20.9% 19.7% 95%
Leverage Ratio 12.8%
+0.2pp YoY
+0.8pp QoQ
 +1.4pp 11.3% 14.0% 12.6% 82%
Total Capital Ratio 25.6%
-0.5pp YoY
+0.9pp QoQ
 +8.9pp 16.7% 22.1% 20.8% 95%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Full-Time Employees 418
+3 (+0.7%) YoY
+5 (+1.2%) QoQ
 +104 313 98 482 79%
Assets per Employee ($) $5.2M
-0.3% YoY
-3.8% QoQ
 -$5.3M $10.5M $7.5M $8.8M 5%
Branch Count 17
-1 (-5.6%) YoY
0 QoQ
 -3 20 6 18 57%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.2% 0.1% 0.4% 31%
Nonaccrual 0.2%
-0.3pp YoY
0.0pp QoQ
 -0.6pp 0.8% 0.8% 1.0% 23%
Allowance Coverage 8.78x
+144.3% YoY
+12.5% QoQ
 -9.93x 18.71x 38.10x 20.23x 87%
Net Charge-off Rate (YTD) -0.0%
-0.2pp YoY
+0.1pp QoQ
 -0.3pp 0.3% 0.1% 0.2% 12%

Profitability

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
ROE 22.4%
-0.8pp YoY
-1.8pp QoQ
 +9.8pp 12.6% 13.6% 11.6% 94%
Cost of Funds (YTD) 0.5%
0.0pp YoY
0.0pp QoQ
 -1.4pp 1.9% 1.6% 1.7% 1%
Net Income ($, YTD) $27.9M
-5.6% YoY
— QoQ
 +$8.7M $19.2M $6.6M $40.4M 80%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Deposit Franchise

growth
#11 of 80 • Top 12.5% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 39.77%
(Tier: 21.27%, National: 21.98%)
better than tier avg
Net Interest Margin: 4.95%
(Tier: 3.87%, National: 3.95%)
better than tier avg
80 of 80 Mid-Market banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank improving

Revenue Diversifier

growth
#36 of 222 • Top 15.8% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.75%
(Tier: 0.53%, National: 0.66%)
better than tier avg
Return on Assets: 2.50%
(Tier: 1.39%, National: 1.30%)
better than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (9 metrics)

33
Loan-to-Deposit Ratio
liquidity
Value: 49.27%
Peer Median: 85.04%
#33 of 885 Top 3.6% in $1B-$10B
37
Return on Assets
profitability
Value: 2.50%
Peer Median: 1.39%
#37 of 885 Top 4.1% in $1B-$10B
40
Non-Interest-Bearing Deposit Share
funding
Value: 39.77%
Peer Median: 21.27%
#40 of 885 Top 4.4% in $1B-$10B
40
Tier 1 Capital Ratio
capital
Value: 24.35%
Peer Median: 14.84%
#40 of 885 Top 4.4% in $1B-$10B
51
Net Interest Margin
profitability
Value: 4.95%
Peer Median: 3.87%
#51 of 885 Top 5.6% in $1B-$10B
88
Non-Interest Income / Assets
revenue_mix
Value: 0.75%
Peer Median: 0.53%
#88 of 885 Top 9.8% in $1B-$10B
128
Efficiency Ratio
profitability
Value: 46.27%
Peer Median: 59.73%
#128 of 885 Top 14.4% in $1B-$10B
137
Nonperforming Asset Ratio
credit_quality
Value: 0.10%
Peer Median: 0.67%
#137 of 885 Top 15.4% in $1B-$10B
214
Delinquency Rate
credit_quality
Value: 0.23%
Peer Median: 0.87%
#214 of 882 Top 24.1% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available
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