United Bank

BankZebulon, Georgia
www.accessunited.com

Total Assets

$2.3B

Total Deposits

$2.1B

Branches

18

Established

1905

TFS Health Grade

$
C

76.5 / 100

Average financial health

How we grade

United Bank is a bank headquartered in Zebulon, Georgia, established in 1905. With $2.3B in total assets and 18 branch locations, it has a TFS Financial Health Grade of C (76.5/100).

Capital & Safety

Tier 1 Capital Ratio
11.24%(8%)
Total Capital Ratio
24.15%(10%)
Non-Performing Loan Ratio
0.28%

Profitability

Return on Assets (ROA)
2.66%(1%)
Return on Equity (ROE)
23.00%(10%)
Net Interest Margin
5.18%
Efficiency Ratio
42.95%(60%)

Lending & Liquidity

Total Loans
$931.2M
Loan-to-Deposit Ratio
44.08%
Net Charge-Off Ratio
0.30%

Growth

Asset Growth (YoY)
+4.86%
Deposit Growth (YoY)
+5.74%
Net Income
$58.7M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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