BlastPoint's Banking Scorecard

United Bank

$10B-$250B Specialty: Commercial VA FDIC cert 22858

Fairfax, VA

237 branches across VA · WV · NC · SC · GA · MD · DC · PA · OH

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 139 banks in the $10B-$250B peer group nationwide — 1 of 5 in VA.
Deposits +3.0% year over year ($27.3B on the books).
Delinquency rate 0.45%.
Return on assets 1.56%.
Efficiency ratio 45.77% vs a 53.67% peer average.
Loan-to-deposit ratio 90.46% vs a 82.61% peer average.

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

139 banks in the $10B-$250B peer group nationally 5 in VA

View $10B-$250B leaderboard (VA) →

United Bank has 3 strengths but faces 3 concerns

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

+ Credit Quality Leader: Top 5.7% in tier
+ ROA 0.17% above tier average
+ Efficiency Ratio 7.90% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 15.0% in tier
- Credit Risk Growth: Bottom 17.0% in tier
- Credit Quality Pressure: Bottom 44.8% in tier

Get updates when United Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Total Assets ?	$33.6B +2.9% YoY +0.1% QoQ	-$10.0B	$43.6B -13.8% YoY	$17.9B +3.0% YoY	$6.3B +7.7% YoY	67%
Total Loans ?	$24.7B +4.0% YoY +0.6% QoQ	-$3.2B	$28.0B -8.6% YoY	$10.9B +3.1% YoY	$3.2B +9.4% YoY	72%
Total Deposits ?	$27.3B +3.0% YoY +0.1% QoQ	-$8.1B	$35.4B -14.0% YoY	$14.1B +3.2% YoY	$4.9B +7.3% YoY	66%
Return on Assets ?	1.56% +11.8% YoY +4.0% QoQ	+0.17%	1.39% +25.9% YoY	1.34% +70.7% YoY	1.30% +12.1% YoY	74%
Net Interest Margin ?	3.87% -0.4% YoY +0.4% QoQ	-0.05%	3.92% +8.9% YoY	3.88% +6.6% YoY	3.95% +4.9% YoY	68%
Efficiency Ratio ?	45.77% -3.2% YoY -2.0% QoQ	-7.90%	53.67% -1.9% YoY	62.24% -10.7% YoY	70.05% +2.5% YoY	81%
Delinquency Rate ?	0.45% +55.8% YoY +7.0% QoQ	-0.57%	1.01% -2.8% YoY	0.72% +0.1% YoY	0.98% +16.3% YoY	78%
Loan-to-Deposit Ratio ?	90.46% +1.0% YoY +0.4% QoQ	+7.85%	82.61% +3.1% YoY	80.15% +0.8% YoY	79.03% +2.3% YoY	28%
Non-Interest-Bearing Deposit Share ?	24.65% -1.5% YoY +4.6% QoQ	+4.07%	20.58% +4.9% YoY	26.19% +3.5% YoY	21.98% -0.6% YoY	60%
Nonperforming Asset Ratio ?	0.36% +57.4% YoY +6.6% QoQ	-0.37%	0.73% +5.8% YoY	0.52% -0.4% YoY	0.69% +15.8% YoY	71%
Tier 1 Capital Ratio ?	13.69% -0.2% YoY +0.4% QoQ	-1.66%	15.35% -0.4% YoY	16.58% +3.9% YoY	17.09% +0.8% YoY	62%
Non-Interest Income / Assets ?	0.21% +13.2% YoY +122.2% QoQ	-0.29%	0.50% +10.5% YoY	0.52% +72.6% YoY	0.66% +5.2% YoY	24%

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 (VA)	National Avg	Tier Percentile
Noninterest-Bearing	24.6% -0.4pp YoY +1.1pp QoQ	+3.6pp	21.0%	26.2%	22.2%	58%
Brokered Deposits	1.2% +0.8pp YoY -1.1pp QoQ	-8.0pp	9.2%	8.5%	8.5%	18%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
C&I	10.2% +0.5pp YoY +0.2pp QoQ	-7.0pp	17.2%	11.0%	12.5%	24%
CRE	57.4% -0.5pp YoY -0.3pp QoQ	+15.4pp	42.0%	46.9%	41.4%	80%
1-4 Family	25.3% +0.4pp YoY +0.2pp QoQ	+2.1pp	23.1%	32.6%	31.3%	65%
Consumer	3.2% 0.0pp YoY +0.1pp QoQ	-9.7pp	12.9%	8.0%	5.0%	64%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
CET1 Ratio	13.7% 0.0pp YoY 0.0pp QoQ	-1.6pp	15.3%	17.2%	19.7%	63%
Leverage Ratio	11.6% 0.0pp YoY +0.1pp QoQ	+1.2pp	10.4%	12.2%	12.6%	85%
Total Capital Ratio	14.9% 0.0pp YoY +0.1pp QoQ	-1.6pp	16.5%	18.3%	20.8%	61%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Full-Time Employees	2,674 -8 (-0.3%) YoY +7 (+0.3%) QoQ	-584	3,258	1,956	482	64%
Assets per Employee ($)	$12.6M +3.2% YoY -0.2% QoQ	-$14.4M	$27.0M	$9.9M	$8.8M	51%
Branch Count	237 0 YoY 0 QoQ	+99	137	28	18	85%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.4pp	0.4%	0.2%	0.4%	51%
Nonaccrual	0.4% +0.1pp YoY 0.0pp QoQ	-0.3pp	0.7%	0.7%	1.0%	27%
Allowance Coverage	2.71x -40.0% YoY -7.1% QoQ	-0.10x	2.81x	9.47x	20.23x	72%
Net Charge-off Rate (YTD)	0.1% -0.1pp YoY 0.0pp QoQ	-0.3pp	0.4%	0.2%	0.2%	34%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
ROE	9.4% +1.0pp YoY +0.3pp QoQ	-3.3pp	12.6%	12.0%	11.6%	32%
Cost of Funds (YTD)	1.7% -0.3pp YoY 0.0pp QoQ	-0.2pp	2.0%	1.7%	1.7%	39%
Net Income ($, YTD)	$261.9M +18.2% YoY — QoQ	-$34.9M	$296.8M	$137.1M	$40.4M	68%

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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 (1)

Credit Quality Leader

growth

#3 of 35 • Top 5.7% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.45%

(Tier: 1.01%, National: 0.98%)

better than tier avg

35 of 35 Large banks match · 920 nationally

→ Stable +1 banks QoQ

Concerns (3)

Liquidity Strain

risk

#7 of 40 • Bottom 15.0% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 90.46%

(Tier: 82.61%, National: 79.03%)

worse than tier avg

40 of 40 Large banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank declining

Credit Risk Growth

risk

#11 of 59 • Bottom 17.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

59 of 59 Large banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk

#31 of 67 • Bottom 44.8% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.45%

(Tier: 1.01%, National: 0.98%)

better than tier avg

67 of 67 Large banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank declining

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 139 peers in $10B-$250B

Top Strengths (2 metrics)

Efficiency Ratio

profitability

Value: 45.77%

Peer Median: 53.67%

#27 of 139 Top 18.7% in $10B-$250B

Delinquency Rate

credit_quality

Value: 0.45%

Peer Median: 1.01%

#32 of 138 Top 22.5% in $10B-$250B

Top Weaknesses (1 metrics)

106

Non-Interest Income / Assets

revenue_mix

Value: 0.21%

Peer Median: 0.50%

#106 of 139 Bottom 24.5% in $10B-$250B