Zebulon, GA · Cert 172 · United Bk Employee STK Ownership Plan Tr
State charter, non-member · FDIC · 17 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets operating in a single state (n=257 to 258). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
89
Asset Quality
51
Profitability
96
Liquidity
0
Efficiency
87
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Zebulon, GA · Cert 172 · United Bk Employee STK Ownership Plan Tr
State charter, non-member · FDIC · 17 branches
Q2 2026
Market Position · Atlanta-Sandy Springs-Roswell, GA · 2026 SOD (annual) · 0.5% share · #20 of 81 inst. · $1.3B of $255.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.72% | 2.73% | 2.83% | 2.72% | 2.69% | 2.66% | 2.59% | 2.50% | -22 bps | |
| Return on Equity | 25.36% | 25.32% | 24.21% | 23.21% | 22.58% | 23.00% | 24.20% | 22.42% | -78 bps | |
| Net Interest Margin | 5.19% | 5.07% | 4.89% | 5.03% | 5.00% | 4.87% | 4.71% | 4.80% | -23 bps | |
| Efficiency Ratio | 43.55% | 42.93% | 41.98% | 42.91% | 43.20% | 42.95% | 43.68% | 46.27% | +336 bps | |
| Non-Interest Burden | 1.44% | 1.34% | 1.22% | 1.33% | 1.34% | 1.28% | 1.24% | 1.42% | +9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.69% | -0.36% | 0.23% | 1.41% | 4.07% | 4.86% | 3.03% | 0.41% | -100 bps | |
| Loan Growth (YoY) | 2.58% | 3.75% | 8.47% | 6.03% | 6.49% | 3.22% | 0.85% | 2.63% | -340 bps | |
| Deposit Growth (YoY) | -6.37% | -2.00% | -1.86% | -0.09% | 3.43% | 5.74% | 4.46% | 0.26% | +35 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.22% | 0.59% | 0.47% | 0.53% | 0.55% | 0.28% | 0.26% | 0.23% | -30 bps | |
| Net Charge-Offs / Loans | 0.17% | 0.20% | 0.07% | 0.24% | 0.28% | 0.30% | -0.10% | 0.00% | -24 bps | |
| Allowance / Loans | 1.88% | 1.88% | 1.87% | 1.92% | 1.92% | 1.98% | 2.01% | 2.02% | +11 bps | |
| Allowance Coverage of NPLs | 8.6x | 3.2x | 4.0x | 3.6x | 3.5x | 7.2x | 7.8x | 8.8x | +5.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.61% | 12.55% | 13.22% | 12.59% | 13.18% | 11.24% | 11.94% | 12.75% | +17 bps | |
| Total Risk-Based Capital | 26.49% | 26.35% | 27.36% | 26.11% | 27.13% | 24.15% | 24.74% | 25.61% | -49 bps | |
| Equity / Assets | 11.98% | 11.04% | 12.36% | 11.80% | 12.47% | 10.22% | 11.22% | 12.04% | +24 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 48.20% | 46.06% | 49.77% | 49.12% | 49.62% | 44.96% | 48.05% | 50.29% | +116 bps | |
| Liquid Assets / Assets | 24.64% | 28.15% | 25.29% | 24.53% | 24.51% | 28.38% | 22.32% | 18.32% | -621 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 173.55% | 197.83% | 186.41% | n/a | n/a | |
Zebulon, GA · Cert 172 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · United Bk Employee STK Ownership Plan Tr
State charter, non-member · FDIC · 17 branches
Q2 2026
Return on Assets
2.59%
Rank 10 of 258
Net Interest Margin
4.80%
Rank 11 of 258
Efficiency Ratio
46.27%
Rank 34 of 257
Equity / Assets
12.04%
Rank 57 of 258
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.59% | 0.93% | 1.23% | 1.54% | Beats 96% | 10 / 258 | ||
| Return on Equity | 21.48% | 9.26% | 11.84% | 14.74% | Beats 95% | 13 / 258 | ||
| Net Interest Margin | 4.80% | 3.16% | 3.49% | 3.88% | Beats 96% | 11 / 258 | ||
| Efficiency Ratio | 46.27% | 51.71% | 60.30% | 69.65% | Beats 87% | 34 / 257 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.23% | 0.19% | 0.46% | 0.90% | Beats 71% | 76 / 258 | ||
| Net Charge-Offs / Loans | 0.05% | 0.01% | 0.02% | 0.07% | Beats 31% | 179 / 258 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 24.35% | 11.41% | 12.98% | 15.12% | Beats 95% | 12 / 258 | ||
| Total Risk-Based Capital Ratio | 25.61% | 12.10% | 13.91% | 16.08% | Beats 95% | 12 / 258 | ||
| Equity / Assets | 12.04% | 9.09% | 10.24% | 11.72% | Beats 78% | 57 / 258 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 50.29% | 73.24% | 86.34% | 95.95% | 3rd pctl | 249 / 258 | ||
| Loans / Assets | 43.84% | 63.01% | 72.27% | 78.40% | 4th pctl | 248 / 258 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||