United Bank
Atmore, AL · Cert 58 · Peer group: banks $1B-$10B in assets (n=322-328) · United Bcorp of Alabama Inc.
State charter, non-member · FDIC · 19 branches
Q2 2026
$1.5BAssets
$942.2MLoans
$1.2BDeposits
$221.1MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 93% of banks $1B-$10B in assets (rank 23 of 328).
- Widest gap: nonperforming loans / loans trails 82% of banks $1B-$10B in assets (rank 264 of 322).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.29%
Rank 137 of 328
Net Interest Margin
4.02%
Rank 56 of 328
Efficiency Ratio
62.83%
Rank 202 of 328
Equity / Assets
14.93%
Rank 23 of 328
Non-interest income vs. expense
Unfavorable gap of $33.6M · efficiency ratio beats 39% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.29% | 0.91% | 1.22% | 1.52% | Beats 58% | 137 / 328 | | |
| Return on Equity | 8.63% | 8.43% | 11.45% | 14.43% | Beats 27% | 241 / 328 | | |
| Net Interest Margin | 4.02% | 3.03% | 3.45% | 3.83% | Beats 83% | 56 / 328 | | |
| Efficiency Ratio | 62.83% | 51.61% | 59.56% | 67.53% | Beats 39% | 202 / 328 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.35% | 0.24% | 0.51% | 1.03% | Beats 18% | 264 / 322 | | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.03% | 0.10% | Beats 59% | 135 / 322 | | |
| Capital |
| Tier 1 Capital Ratio | 20.70% | 11.75% | 13.15% | 15.47% | Beats 92% | 27 / 328 | | |
| Total Risk-Based Capital Ratio | 21.86% | 12.63% | 14.15% | 16.46% | Beats 92% | 27 / 328 | | |
| Equity / Assets | 14.93% | 9.15% | 10.33% | 12.01% | Beats 93% | 23 / 328 | | |
| Liquidity & Funding |
| Loans / Deposits | 76.95% | 76.63% | 87.92% | 95.36% | 26th pctl | 240 / 323 | | |
| Loans / Assets | 63.63% | 65.18% | 74.15% | 79.98% | 22nd pctl | 255 / 328 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |