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United Bank
Atmore, AL · FDIC Certificate #58 · Chartered 01/0
Total assets
$1.48B
Total deposits
$1.22B
Total equity
$221.08M
Net loans
$929.78M
Branches (offices)
19
Net income (YTD)
$9.54M
Rank: #747 of 4,213 U.S. banks by assets · #9 of 93 in Alabama. Assets changed 4.5% and deposits 3.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.31% |
| Return on equity | 8.81% |
| Net interest margin (YTD) | 4.47% |
| Equity to assets | 14.93% |
| Tier 1 leverage ratio | 15.79% |
| Uninsured deposits (share of deposits) | 48.4% |
| Noncurrent loans (share of loans) | 1.35% |
| Net charge-offs (share of loans) | 0.03% |
| Loans to deposits | 75.9% |
| Real estate loans (share of loans) | 65.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $610.09M | 65.6% | |
| Commercial & industrial | $198.37M | 21.3% | |
| Consumer / individual | $36.07M | 3.9% | |
| Construction & development | $144.49M | 15.5% | |
| Agricultural | $42.58M | 4.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.11B | $1.01B | $5.81M | $75.94M |
| Jun 2023 | $1.15B | $1.02B | $10.98M | $108.99M |
| Jun 2024 | $1.18B | $1.01B | $10.44M | $139.68M |
| Jun 2025 | $1.42B | $1.18B | $9.72M | $200.10M |
| Jun 2026 | $1.48B | $1.22B | $9.54M | $221.08M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Alabama | $1.01B | 16 |
| Florida | $210.31M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.22B.
Similar-sized banks
American Heritage Bank ($1.48B) · Citizens Bank And Trust ($1.48B)
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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