# UNITED BANK
ZEBULON, GA · FDIC certificate 172 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $2.16B | |
| Deposits | $1.88B | |
| Loans and leases | $946.5M | |
| Total equity | $260.0M | |
| Loans / deposits | 49.27% (p4 of band) | 87.10% |
| Liquid assets / assets | 54.49% (p96 of band) | |
| Uninsured deposits / deposits | 26.98% (p37 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p6 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.75% (p82 of band) | 10.50% |
| Unrealized securities loss / equity | -11.02% (p38 of band) | -7.75% |
| AOCI / equity | -2.42% (p3 of band) | |
| ROA (annualized) | 2.50% (p96 of band) | 1.26% |
| Net interest margin | 4.95% (p94 of band) | 3.70% |
| Efficiency ratio | 46.27% (p15 of band) | |
| Noncurrent loans | 0.23% (p25 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p12 of band) | |
| Reserve coverage of noncurrent | 878.10% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 77.21% (p77 of band) | |
| Auto loans | $10.0M (1.05% of loans; DQ 2.50%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 0.3% | |
| Employees | 418 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 1 |  | charge-offs p90 |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 3 | noncurrent p90, uninsured deposits leaving |  |
| 2013-06 | 3 |  |  |
| 2013-09 | 3 |  |  |
| 2013-12 | 2 |  | uninsured deposits leaving |
| 2014-03 | 2 |  |  |
| 2014-06 | 1 |  | noncurrent p90 |
| 2014-09 | 3 | capital falling, uninsured deposits leaving |  |
| 2014-12 | 3 |  |  |
| 2015-03 | 0 |  | reserve under noncurrent, capital falling, uninsured deposits leaving |
| 2015-06 | 1 | reserve under noncurrent |  |
| 2015-09 | 0 |  | reserve under noncurrent |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 0 |  | capital falling |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | NIM <2.5% |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | construction >100% equity |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 3 | AOCI drag >20% of equity, securities losses >30% of equity | NIM <2.5% |
| 2022-12 | 2 | noncurrent p90 | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-03 | 3 | deposits shrinking |  |
| 2023-06 | 3 | assets shrinking | noncurrent p90 |
| 2023-09 | 4 | securities losses >30% of equity |  |
| 2023-12 | 2 |  | construction >100% equity, securities losses >30% of equity |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 1 |  | assets shrinking |
| 2024-12 | 0 |  | deposits shrinking |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-02-11 [Longtime banker Cole Davis is an Everyday Hero of Middle Georgia - mymcr.net](https://news.google.com/rss/articles/CBMi2AFBVV95cUxPdnpfbEpVRnZEenRIZjJXYXpFWWhXOF9zRjlTakk0Q0JxNVN1NXZPSWR2dGc5RXBCeHZtSkNqQS11TEZkSWRzLTdYdnZuRFVpRXVyeDU0NDYyZEhMc2hnbExsc0o5bjdMUXIzUjBlbDFlQWFHQkJnbDJaTldaLTV0aWtpeDRMR1lGQXlVRmFRZ2NwZW1PZmp6M1dyVmZMcXppeXlELVFvUVZoNHFfS1FFb3dtbkJmRWpjU1BZZG9oNzFMWnd0RmlwaDF5aXE1UkNFbzI0STFNbWY?oc=5) · mymcr.net
- 2026-05-14 [BBQ & Blues in full swing - Barnesville.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxPdndSVURXZ3FacmpaRU40VGFUZFBHSlVLa3FwUTllaVpkYlNqbzlCV3ZwWF9MMHF6N2ZWcW81YkNnMC0tdmRrWHIxeXp3bDZpNTJkREhNaUt5clJpejBmSzIwaDNEbHZvdl82UHRVeHdONjFYX295ZmgtZlhtbEwwNy11OU0?oc=5) · Barnesville.com
- 2024-05-14 [West Virginia-based United Bank to acquire bank located in Georgia - Charleston Gazette-Mail](https://news.google.com/rss/articles/CBMi6wFBVV95cUxOZ2trRHJhT0IxYkFwbUJwSzdLNEg0UlRKV2pTQWdGXzZZSTZmM21mb0xGQnlMWmYwaWxvRG5xMzNlWTYySGhXVG91eXhUaTZyc2pHQ2VycWRvaHJLNDJfNWloQklBOHVlQ05MclpieW9CZUhQY09GUS16TTA2R2dIckhsVnQ4NjNjMmgxMkxzWTNZM0VpeUNfZk8yNUFRTlF5MmgzRFdBaEI3WG15aGJGSkFxWXVRZzY3UDlZcVZzZWp4QUh3M1dCNm5uclpqbDhFSloxbVpfRXFEMGlFN0F3eXVCQ3ZJRXFiZ2Fn?oc=5) · Charleston Gazette-Mail
- 2024-05-13 [United Bank to buy Piedmont in $267M deal - Banking Dive](https://news.google.com/rss/articles/CBMilwFBVV95cUxON1hfZm84TlFzbzBNSkdtb0FKcDludDk3QU5LdlBhV001QmVDdUUtSlpnb1h0TXB1TlJvZ25WaDg1bVl1N3lRV1FVVmRxYlNvaWpLbm12dWticW5QemRPZEFTR1Jqdm1zTnh5YmhBVGRWbEt2dmFYVmpKcVNObUZHbHY1NFl5QWlHWHpRelFNYnVReW54Z0pr?oc=5) · Banking Dive
- 2024-05-28 [United Bank To Acquire The Piedmont Bank - wilmingtonbiz.com](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQVWtmV2pBajY1SWhDZzBBOEFfb3dnMS1KRFlHS3BlWGFPdmVuS2k3YXJFaFdwdUJWZ1RRMTk0MkNNeEgxcWlrX0RkTWRUd3ktaHhGM2FYRkdpYlBNNW9WaWYxVFJiWnphWlhxX0tUcy1adlFNMWhwelZtdmd1V2xBclVwYVFlYjBQZFhTbl95Z1VMYWtCYWVkVlBjaUd5SHowbFdSODFmbG9lOU0?oc=5) · wilmingtonbiz.com
- 2025-12-09 [Why a metro Atlanta investor group is starting a new bank - AJC.com](https://news.google.com/rss/articles/CBMimwFBVV95cUxOZWdkWUJEa1BMOERpdWdMQlNHclpmWGFhdWFKQy1TN2k4MFBoZ1ZBQ0tmMUZHTFV0c2hDR2dTNTdVU0xaemxtancwekhQXzVsQ0R1Zm9FZTh2ZlV6SWlkUUZ6RWIwRmh2MzAtMEZNV2RiX2IweFl5djNSSEszcVNKdVA1SDNSNXR6Wkl6Z0JrSUV1OXNHNVNUN1hJNA?oc=5) · AJC.com
- 2020-10-20 [A Leader for Our Time - ABA Banking Journal](https://news.google.com/rss/articles/CBMifkFVX3lxTFBPY0hrS05nRWhDZDNUb2VnSXhJWS1oNU5tWTJnVmotbE9BRlI3WHZoT1N6N1VIbWFCTzNubzJNMUFfQVprYUtsWlp3WThxSjJBTDRTZ2V1OU11V1ZrQ0pQcUxIMmJfNTVxWXROR015Ujd6ai1MVFR4MGd1T09FQQ?oc=5) · ABA Banking Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=172 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/44.json (key "172", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide