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United Bank
Fairfax, VA · FDIC Certificate #22858 · Chartered 05/1
Total assets
$33.64B
Total deposits
$27.34B
Total equity
$5.62B
Net loans
$24.73B
Branches (offices)
235
Net income (YTD)
$261.90M
Rank: #65 of 4,213 U.S. banks by assets · #4 of 56 in Virginia. Assets changed 2.9% and deposits 3.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.56% |
| Return on equity | 9.36% |
| Net interest margin (YTD) | 3.87% |
| Equity to assets | 16.69% |
| Tier 1 leverage ratio | 11.60% |
| Uninsured deposits (share of deposits) | 38.3% |
| Noncurrent loans (share of loans) | 0.44% |
| Net charge-offs (share of loans) | 0.09% |
| Loans to deposits | 90.5% |
| Real estate loans (share of loans) | 82.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $20.48B | 82.8% | |
| Commercial & industrial | $2.53B | 10.2% | |
| Consumer / individual | $789.72M | 3.2% | |
| Construction & development | $3.34B | 13.5% | |
| Agricultural | $32.83M | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $28.74B | $23.25B | $179.22M | $4.59B |
| Jun 2023 | $29.63B | $22.62B | $200.03M | $4.69B |
| Jun 2024 | $29.87B | $23.31B | $196.39M | $4.90B |
| Jun 2025 | $32.68B | $26.55B | $221.53M | $5.44B |
| Jun 2026 | $33.64B | $27.34B | $261.90M | $5.62B |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Virginia | $10.24B | 80 |
| West Virginia | $6.98B | 48 |
| North Carolina | $2.65B | 43 |
| South Carolina | $1.87B | 25 |
| District of Columbia | $1.80B | - |
| Georgia | $1.74B | 16 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $27.34B.
Similar-sized banks
First National Bank Of Omaha ($34.20B) · Texas Capital Bank ($33.62B)
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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