BlastPoint's Banking Scorecard

United Bank

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

Designations: ✓ Community bank

Zebulon, GA

18 branches across GA

884 banks in the $1B-$10B peer group nationally 11 in 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 15.1% in tier
+ Revenue Diversifier: Top 16.7% in tier
+ Return on Assets 1.23% above tier average
+ Efficiency Ratio 17.38% below tier average
+ Delinquency Rate 0.63% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Total Assets ?	$2.2B +3.0% YoY -4.9% QoQ	-$599.1M	$2.8B -0.1% YoY	$814.8M +10.0% YoY	$6.2B +9.1% YoY	56%
Total Loans ?	$916.4M +0.7% YoY +0.4% QoQ	-$1.0B	$2.0B +0.6% YoY	$550.6M +10.4% YoY	$3.2B +10.8% YoY	27%
Total Deposits ?	$1.9B +4.5% YoY -6.0% QoQ	-$397.2M	$2.3B -0.3% YoY	$689.3M +8.9% YoY	$4.8B +8.2% YoY	58%
Return on Assets ?	2.59% -8.4% YoY -2.5% QoQ	+1.23%	1.37% +19.6% YoY	1.50% +0.6% YoY	1.23% +13.4% YoY	Top 3.2% in tier
Net Interest Margin ?	4.85% -5.1% YoY -6.4% QoQ	+1.03%	3.82% +6.9% YoY	4.36% +2.3% YoY	3.89% +5.7% YoY	Top 7.0% in tier
Efficiency Ratio ?	43.68% +4.1% YoY +1.7% QoQ	-17.38%	61.06% -4.6% YoY	62.13% -1.5% YoY	66.95% -4.1% YoY	Top 9.8% in tier
Delinquency Rate ?	0.26% -45.4% YoY -6.7% QoQ	-0.63%	0.89% +14.1% YoY	0.81% +32.9% YoY	0.95% +18.8% YoY	74%
Loan-to-Deposit Ratio ?	47.09% -3.6% YoY +6.8% QoQ	-37.12%	84.20% +0.3% YoY	71.10% +2.8% YoY	76.70% +0.9% YoY	Top 3.6% in tier
Non-Interest-Bearing Deposit Share ?	38.33% -3.6% YoY +7.2% QoQ	+17.04%	21.29% -2.5% YoY	26.76% -3.7% YoY	22.01% -1.2% YoY	Top 5.5% in tier
Nonperforming Asset Ratio ?	0.12% -38.6% YoY +11.8% QoQ	-0.55%	0.67% +15.6% YoY	0.56% +24.4% YoY	0.67% +19.3% YoY	82%
Tier 1 Capital Ratio ?	23.48% -10.1% YoY +2.6% QoQ	+8.32%	15.16% +2.0% YoY	17.30% -0.8% YoY	17.06% +0.8% YoY	Top 5.1% in tier
Non-Interest Income / Assets ?	0.36% +0.2% YoY -73.6% QoQ	+0.10%	0.26% +1.6% YoY	0.21% +3.2% YoY	0.32% +4.1% YoY	Top 10.5% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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

#14 of 86 • Top 15.1% 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: 38.33%

(Tier: 21.29%, National: 22.01%)

better than tier avg

Net Interest Margin: 4.85%

(Tier: 3.82%, National: 3.89%)

better than tier avg

86 of 86 Mid-Market banks match · 369 nationally

→ Stable -14 banks QoQ

Revenue Diversifier

growth

#38 of 221 • Top 16.7% 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: 0.36%

(Tier: 0.26%, National: 0.32%)

better than tier avg

Return on Assets: 2.59%

(Tier: 1.37%, National: 1.23%)

better than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

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).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (8 metrics)

Return on Assets

profitability

Value: 2.59%

Peer Median: 1.37%

#29 of 884 Top 3.2% in $1B-$10B

Loan-to-Deposit Ratio

liquidity

Value: 47.09%

Peer Median: 84.20%

#33 of 884 Top 3.6% in $1B-$10B

Tier 1 Capital Ratio

capital

Value: 23.48%

Peer Median: 15.16%

#46 of 884 Top 5.1% in $1B-$10B

Non-Interest-Bearing Deposit Share

funding

Value: 38.33%

Peer Median: 21.29%

#50 of 884 Top 5.5% in $1B-$10B

Net Interest Margin

profitability

Value: 4.85%

Peer Median: 3.82%

#63 of 884 Top 7.0% in $1B-$10B

Efficiency Ratio

profitability

Value: 43.68%

Peer Median: 61.06%

#88 of 884 Top 9.8% in $1B-$10B

Non-Interest Income / Assets

revenue_mix

Value: 0.36%

Peer Median: 0.26%

#94 of 884 Top 10.5% in $1B-$10B

159

Nonperforming Asset Ratio

credit_quality

Value: 0.12%

Peer Median: 0.67%

#159 of 884 Top 17.9% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available