United Bank
Fairfax, VA · Cert 22858 · Peer group: banks over $10B in assets (n=142-144) · United Bankshares Inc.
State charter, Fed member · FED · 235 branches
Q2 2026
$33.6BAssets
$25.0BLoans
$27.3BDeposits
$5.6BEquity
Executive Summary
- Strongest standing: equity / assets outperforms 96% of banks over $10B in assets (rank 6 of 144).
- Widest gap: return on equity trails 70% of banks over $10B in assets (rank 101 of 144).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.56%
Rank 33 of 144
Net Interest Margin
3.63%
Rank 42 of 144
Efficiency Ratio
46.34%
Rank 27 of 144
Equity / Assets
16.69%
Rank 6 of 144
Non-interest income vs. expense
Unfavorable gap of $460.2M · efficiency ratio beats 82% of banks over $10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.56% | 1.00% | 1.26% | 1.54% | Beats 77% | 33 / 144 | | |
| Return on Equity | 9.33% | 8.98% | 11.34% | 14.40% | Beats 30% | 101 / 144 | | |
| Net Interest Margin | 3.63% | 2.82% | 3.31% | 3.68% | Beats 71% | 42 / 144 | | |
| Efficiency Ratio | 46.34% | 49.42% | 56.02% | 62.41% | Beats 82% | 27 / 144 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.44% | 0.48% | 0.73% | 1.07% | Beats 80% | 30 / 142 | | |
| Net Charge-Offs / Loans | 0.05% | 0.05% | 0.11% | 0.22% | Beats 73% | 39 / 142 | | |
| Capital |
| Tier 1 Capital Ratio | 13.69% | 12.07% | 12.98% | 14.92% | Beats 61% | 56 / 144 | | |
| Total Risk-Based Capital Ratio | 14.91% | 13.39% | 14.14% | 16.25% | Beats 60% | 57 / 144 | | |
| Equity / Assets | 16.69% | 9.69% | 11.39% | 12.96% | Beats 96% | 6 / 144 | | |
| Liquidity & Funding |
| Loans / Deposits | 91.56% | 75.72% | 84.92% | 91.56% | 75th pctl | 36 / 143 | | |
| Loans / Assets | 74.41% | 59.83% | 69.07% | 74.80% | 73rd pctl | 39 / 144 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |