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United Bank
Zebulon, GA · FDIC Certificate #172 · Chartered 01/3
Total assets
$2.16B
Total deposits
$1.88B
Total equity
$259.96M
Net loans
$927.34M
Branches (offices)
17
Net income (YTD)
$27.92M
Rank: #574 of 4,213 U.S. banks by assets · #9 of 123 in Georgia. Assets changed 0.4% and deposits 0.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.50% |
| Return on equity | 22.42% |
| Net interest margin (YTD) | 4.95% |
| Equity to assets | 12.04% |
| Tier 1 leverage ratio | 12.75% |
| Uninsured deposits (share of deposits) | 27.0% |
| Noncurrent loans (share of loans) | 0.23% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 49.3% |
| Real estate loans (share of loans) | 88.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $818.41M | 88.3% | |
| Commercial & industrial | $60.46M | 6.5% | |
| Consumer / individual | $53.81M | 5.8% | |
| Construction & development | $200.71M | 21.6% | |
| Agricultural | $32.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $2.40B | $2.22B | $16.01M | $166.65M |
| Jun 2023 | $2.24B | $2.03B | $32.17M | $200.18M |
| Jun 2024 | $2.12B | $1.88B | $30.84M | $225.83M |
| Jun 2025 | $2.15B | $1.88B | $29.59M | $253.62M |
| Jun 2026 | $2.16B | $1.88B | $27.92M | $259.96M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Georgia | $1.88B | 17 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.88B.
Similar-sized banks
Central Bank ($2.16B) · Norway Savings Bank ($2.16B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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