United Bank
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
$2.2BAssets
$946.5MLoans
$1.9BDeposits
$260.0MEquity
Executive Summary
- Strongest standing: return on assets outperforms 96% of banks $1B-$10B in assets operating in a single state (rank 10 of 258).
- Widest gap: net charge-offs / loans trails 69% of banks $1B-$10B in assets operating in a single state (rank 179 of 258).
- Overall: at or above the peer median on 8 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $31.1M · efficiency ratio beats 87% of banks $1B-$10B in assets operating in a single state | 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 |