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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

884 banks in the $1B-$10B peer group nationally 15 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 31.4% in tier

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 14.8% in tier
  • - Margin Compression: Bottom 27.4% in tier
  • - Liquidity Overhang: Bottom 46.0% in tier
  • - Cost Spiral: Bottom 71.0% in tier
Get updates when United Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Total Assets ? $1.5B
+4.2% YoY +0.4% QoQ
-$1.4B $2.8B
-0.1% YoY
$2.5B
+0.2% YoY
$6.2B
+9.1% YoY
32%
Total Loans ? $891.5M
+2.5% YoY +1.0% QoQ
-$1.1B $2.0B
+0.6% YoY
$1.5B
+2.4% YoY
$3.2B
+10.8% YoY
24%
Total Deposits ? $1.2B
+3.5% YoY +0.5% QoQ
-$1.1B $2.3B
-0.3% YoY
$2.1B
-0.2% YoY
$4.8B
+8.2% YoY
30%
Return on Assets ? 1.13%
-15.4% YoY -14.5% QoQ
-0.24% 1.37%
+19.6% YoY
0.78%
-19.5% YoY
1.23%
+13.4% YoY
42%
Net Interest Margin ? 4.34%
-5.4% YoY -6.9% QoQ
+0.52% 3.82%
+6.9% YoY
3.99%
+5.2% YoY
3.89%
+5.7% YoY
84%
Efficiency Ratio ? 65.22%
+20.3% YoY +7.6% QoQ
+4.16% 61.06%
-4.6% YoY
72.13%
+5.1% YoY
66.95%
-4.1% YoY
33%
Delinquency Rate ? 1.81%
+13.9% YoY +0.7% QoQ
+0.92% 0.89%
+14.1% YoY
1.09%
+24.8% YoY
0.95%
+18.8% YoY
Bottom 10.8% in tier
Loan-to-Deposit Ratio ? 74.26%
-0.9% YoY +0.5% QoQ
-9.94% 84.20%
+0.3% YoY
67.08%
+2.0% YoY
76.70%
+0.9% YoY
77%
Non-Interest-Bearing Deposit Share ? 42.59%
-6.9% YoY -3.1% QoQ
+21.30% 21.29%
-2.5% YoY
23.89%
+0.0% YoY
22.01%
-1.2% YoY
Top 3.5% in tier
Nonperforming Asset Ratio ? 1.20%
+14.4% YoY +1.1% QoQ
+0.52% 0.67%
+15.6% YoY
0.71%
+24.8% YoY
0.67%
+19.3% YoY
15%
Tier 1 Capital Ratio ? 20.87%
+2.5% YoY +0.6% QoQ
+5.71% 15.16%
+2.0% YoY
16.96%
+13.8% YoY
17.06%
+0.8% YoY
Top 6.8% in tier
Non-Interest Income / Assets ? 0.18%
-13.1% YoY -76.2% QoQ
-0.08% 0.26%
+1.6% YoY
0.16%
-16.3% YoY
0.32%
+4.1% YoY
63%

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
#28 of 86 • Top 31.4% 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: 42.59%
(Tier: 21.29%, National: 22.01%)
better than tier avg
Net Interest Margin: 4.34%
(Tier: 3.82%, National: 3.89%)
better than tier avg
86 of 86 Mid-Market banks match · 369 nationally
→ Stable -14 banks QoQ | QoQ rank declining

Concerns (4)

Credit Risk Growth

risk
#63 of 420 • Bottom 14.8% in tier

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

420 of 420 Mid-Market banks match · 1464 nationally
→ Stable -10 banks QoQ

Margin Compression

decline
#24 of 84 • Bottom 27.4% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.13%
(Tier: 1.37%, National: 1.23%)
worse than tier avg
84 of 84 Mid-Market banks match · 407 nationally
↑ Growing +94 banks QoQ | QoQ rank declining

Liquidity Overhang

risk
#81 of 174 • Bottom 46.0% 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: 20.87%
(Tier: 15.16%, National: 17.06%)
better than tier avg
Loan-to-Deposit Ratio: 74.26%
(Tier: 84.20%, National: 76.70%)
better than tier avg
174 of 174 Mid-Market banks match · 939 nationally
→ Stable +13 banks QoQ | QoQ rank declining

Cost Spiral

risk
#23 of 31 • Bottom 71.0% 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: 65.22%
(Tier: 61.06%, National: 66.95%)
worse than tier avg
31 of 31 Mid-Market banks match · 176 nationally
↑ Growing +82 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).
Comparing against 884 peers in $1B-$10B

Top Strengths (4 metrics)

32
Non-Interest-Bearing Deposit Share
funding
Value: 42.59%
Peer Median: 21.29%
#32 of 884 Top 3.5% in $1B-$10B
61
Tier 1 Capital Ratio
capital
Value: 20.87%
Peer Median: 15.16%
#61 of 884 Top 6.8% in $1B-$10B
141
Net Interest Margin
profitability
Value: 4.34%
Peer Median: 3.82%
#141 of 884 Top 15.8% in $1B-$10B
205
Loan-to-Deposit Ratio
liquidity
Value: 74.26%
Peer Median: 84.20%
#205 of 884 Top 23.1% in $1B-$10B

Top Weaknesses (3 metrics)

786
Delinquency Rate
credit_quality
Value: 1.81%
Peer Median: 0.89%
#786 of 880 Bottom 10.8% in $1B-$10B
748
Nonperforming Asset Ratio
credit_quality
Value: 1.20%
Peer Median: 0.67%
#748 of 884 Bottom 15.5% in $1B-$10B
674
Total Loans
size
Value: $891.52M
Peer Median: $1.96B
#674 of 884 Bottom 23.9% in $1B-$10B
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