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United Bank

$1B-$10B Specialty: Commercial AL FDIC cert 58

Designations: ✓ Community bank ✓ CDFI-certified

Atmore, AL

20 branches across AL · FL

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 16 in AL.
  • Deposits +3.9% year over year ($1.2B on the books).
  • Delinquency rate 1.37%.
  • Return on assets 1.31%.
  • Efficiency ratio 62.73% vs a 59.73% peer average.
  • Loan-to-deposit ratio 75.94% 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 16 in AL
View $1B-$10B leaderboard (AL) →

United Bank has 1 strength but faces 4 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

  • + Deposit Franchise: Top 21.2% in tier

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 36.3% in tier
  • - Cost Spiral: Bottom 41.9% in tier
  • - Liquidity Overhang: Bottom 45.9% in tier
  • - ROA 0.08% below tier average
Get updates when United Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Total Assets ? $1.5B
+4.5% YoY +2.0% QoQ
-$1.3B $2.8B
-0.6% YoY
$2.5B
+1.5% YoY
$6.3B
+7.7% YoY
34%
Total Loans ? $929.8M
+5.6% YoY +4.3% QoQ
-$1.0B $2.0B
-0.3% YoY
$1.6B
+2.8% YoY
$3.2B
+9.4% YoY
28%
Total Deposits ? $1.2B
+3.9% YoY +2.0% QoQ
-$1.1B $2.3B
-0.5% YoY
$2.1B
+0.3% YoY
$4.9B
+7.3% YoY
33%
Return on Assets ? 1.31%
-5.7% YoY +15.9% QoQ
-0.08% 1.39%
+17.0% YoY
0.89%
-13.0% YoY
1.30%
+12.1% YoY
55%
Net Interest Margin ? 4.47%
-4.1% YoY +3.1% QoQ
+0.60% 3.87%
+6.2% YoY
4.02%
+3.4% YoY
3.95%
+4.9% YoY
Top 13.0% in tier
Efficiency Ratio ? 62.73%
+11.2% YoY -3.8% QoQ
+3.00% 59.73%
-12.6% YoY
69.53%
+4.0% YoY
70.05%
+2.5% YoY
38%
Delinquency Rate ? 1.37%
+24.4% YoY -24.0% QoQ
+0.51% 0.87%
+11.7% YoY
1.13%
+25.5% YoY
0.98%
+16.3% YoY
19%
Loan-to-Deposit Ratio ? 75.94%
+1.6% YoY +2.3% QoQ
-9.10% 85.04%
-0.1% YoY
67.62%
+0.9% YoY
79.03%
+2.3% YoY
75%
Non-Interest-Bearing Deposit Share ? 43.31%
-3.3% YoY +1.7% QoQ
+22.04% 21.27%
-1.5% YoY
24.04%
+0.1% YoY
21.98%
-0.6% YoY
Top 3.2% in tier
Nonperforming Asset Ratio ? 0.95%
+14.4% YoY -20.8% QoQ
+0.27% 0.67%
+11.7% YoY
0.74%
+25.2% YoY
0.69%
+15.8% YoY
23%
Tier 1 Capital Ratio ? 20.70%
+0.8% YoY -0.8% QoQ
+5.86% 14.84%
-0.4% YoY
15.01%
+1.3% YoY
17.09%
+0.8% YoY
Top 6.6% in tier
Non-Interest Income / Assets ? 0.34%
-11.6% YoY +94.2% QoQ
-0.19% 0.53%
+2.5% YoY
0.35%
-14.4% YoY
0.66%
+5.2% YoY
60%

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 (AL) National Avg Tier Percentile
Noninterest-Bearing 43.3%
-1.5pp YoY
+0.7pp QoQ
 +21.9pp 21.4% 24.0% 22.2% 97%
Brokered Deposits n/a n/a 9.5% 5.5% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
C&I 21.3%
-3.0pp YoY
-0.8pp QoQ
 +7.3pp 14.0% 16.9% 12.5% 83%
CRE 46.8%
+2.1pp YoY
+1.0pp QoQ
 -3.2pp 50.0% 43.5% 41.4% 41%
1-4 Family 13.6%
+0.9pp YoY
+0.7pp QoQ
 -12.8pp 26.4% 30.6% 31.3% 26%
Consumer 3.9%
-0.2pp YoY
+0.3pp QoQ
 -0.8pp 4.7% 5.7% 5.0% 78%

Capital

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
CET1 Ratio 20.7%
+0.1pp YoY
-0.2pp QoQ
 +5.1pp 15.6% 15.1% 19.7% 92%
Leverage Ratio 15.8%
+0.9pp YoY
+0.3pp QoQ
 +4.5pp 11.3% 13.2% 12.6% 94%
Total Capital Ratio 21.9%
+0.1pp YoY
-0.2pp QoQ
 +5.2pp 16.7% 16.2% 20.8% 93%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Full-Time Employees 278
+31 (+12.6%) YoY
+3 (+1.1%) QoQ
 -36 313 304 482 61%
Assets per Employee ($) $5.3M
-7.1% YoY
+0.9% QoQ
 -$5.2M $10.5M $6.9M $8.8M 6%
Branch Count 20
0 YoY
0 QoQ
 -0 20 20 18 65%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Past Due 90+ Days 0.1%
-0.1pp YoY
0.0pp QoQ
 -0.1pp 0.2% 0.2% 0.4% 68%
Nonaccrual 1.3%
+0.3pp YoY
-0.5pp QoQ
 +0.5pp 0.8% 1.2% 1.0% 82%
Allowance Coverage 0.97x
-22.0% YoY
+26.2% QoQ
 -17.74x 18.71x 7.50x 20.23x 22%
Net Charge-off Rate (YTD) 0.0%
-0.8pp YoY
0.0pp QoQ
 -0.2pp 0.3% 0.3% 0.2% 44%

Profitability

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
ROE 8.8%
-1.2pp YoY
+1.2pp QoQ
 -3.8pp 12.6% 10.0% 11.6% 24%
Cost of Funds (YTD) 1.2%
0.0pp YoY
0.0pp QoQ
 -0.7pp 1.9% 1.7% 1.7% 11%
Net Income ($, YTD) $9.5M
-1.8% YoY
— QoQ
 -$9.7M $19.2M $17.2M $40.4M 37%

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)

Deposit Franchise

growth
#18 of 80 • Top 21.2% 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: 43.31%
(Tier: 21.27%, National: 21.98%)
better than tier avg
Net Interest Margin: 4.47%
(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

Concerns (3)

Credit Risk Growth

risk
#147 of 402 • Bottom 36.3% in tier

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

402 of 402 Mid-Market banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank declining

Cost Spiral

risk
#14 of 31 • Bottom 41.9% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature
Efficiency Ratio: 62.73%
(Tier: 59.73%, National: 70.05%)
worse than tier avg
31 of 31 Mid-Market banks match · 184 nationally
→ Stable +9 banks QoQ | QoQ rank improving

Liquidity Overhang

risk
#80 of 172 • Bottom 45.9% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 20.70%
(Tier: 14.84%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 75.94%
(Tier: 85.04%, National: 79.03%)
better than tier avg
172 of 172 Mid-Market banks match · 940 nationally
→ Stable +7 banks QoQ

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 (4 metrics)

29
Non-Interest-Bearing Deposit Share
funding
Value: 43.31%
Peer Median: 21.27%
#29 of 885 Top 3.2% in $1B-$10B
59
Tier 1 Capital Ratio
capital
Value: 20.70%
Peer Median: 14.84%
#59 of 885 Top 6.6% in $1B-$10B
116
Net Interest Margin
profitability
Value: 4.47%
Peer Median: 3.87%
#116 of 885 Top 13.0% in $1B-$10B
219
Loan-to-Deposit Ratio
liquidity
Value: 75.94%
Peer Median: 85.04%
#219 of 885 Top 24.6% in $1B-$10B

Top Weaknesses (2 metrics)

715
Delinquency Rate
credit_quality
Value: 1.37%
Peer Median: 0.87%
#715 of 882 Bottom 19.0% in $1B-$10B
679
Nonperforming Asset Ratio
credit_quality
Value: 0.95%
Peer Median: 0.67%
#679 of 885 Bottom 23.4% in $1B-$10B
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