# UNITED BANK
FAIRFAX, VA · FDIC certificate 22858 · asset band $10-100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. 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 | $33.64B | |
| Deposits | $27.34B | |
| Loans and leases | $25.03B | |
| Total equity | $5.62B | |
| Loans / deposits | 90.46% (p70 of band) | 85.78% |
| Liquid assets / assets | 16.06% (p19 of band) | |
| Uninsured deposits / deposits | 38.29% (p48 of band) | 38.39% |
| Brokered deposits | 1.01% | |
| Wholesale funding | 2.25% (p16 of band) | |
| FHLB advances / assets | 0.74% | |
| Tier 1 leverage | 11.60% (p86 of band) | 10.17% |
| Unrealized securities loss / equity | -3.94% (p72 of band) | -7.43% |
| AOCI / equity | -0.08% (p69 of band) | |
| ROA (annualized) | 1.56% (p74 of band) | 1.24% |
| Net interest margin | 3.87% (p70 of band) | 3.57% |
| Efficiency ratio | 45.77% (p23 of band) | |
| Noncurrent loans | 0.44% (p26 of band) | 0.66% |
| Net charge-offs (annualized) | 0.06% (p44 of band) | |
| Reserve coverage of noncurrent | 270.68% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 59.40% (p85 of band) | |
| Auto loans | $764.8M (3.06% of loans; DQ 1.29%, NCO 0.01%) | |
| Loans to nondepository financials | $339.0M (6% of equity) (p46 of band) | |
| Deposits YoY | 3.0% | |
| Employees | 2674 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 2 | capital falling, reserve under noncurrent |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 1 |  | capital falling |
| 2012-06 | 2 | uninsured deposits leaving |  |
| 2012-09 | 3 | deposits shrinking |  |
| 2012-12 | 2 |  | deposits shrinking |
| 2013-03 | 1 |  | reserve under noncurrent |
| 2013-06 | 2 | reserve under noncurrent, deposits shrinking | uninsured deposits leaving |
| 2013-09 | 1 |  | reserve under noncurrent |
| 2013-12 | 4 | loans exceed deposits, wholesale funding >15%, capital falling |  |
| 2014-03 | 3 | reserve under noncurrent | deposits shrinking, capital falling |
| 2014-06 | 1 |  | loans exceed deposits, reserve under noncurrent |
| 2014-09 | 2 | capital falling |  |
| 2014-12 | 3 | reserve under noncurrent |  |
| 2015-03 | 2 |  | capital falling |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 1 |  | reserve under noncurrent |
| 2016-09 | 2 | reserve under noncurrent |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 1 |  | reserve under noncurrent |
| 2017-06 | 3 | capital falling, reserve under noncurrent |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 | brokered >10% | capital falling |
| 2018-03 | 3 |  |  |
| 2018-06 | 1 |  | wholesale funding >15%, brokered >10% |
| 2018-09 | 2 | capital falling |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 | loans exceed deposits | capital falling |
| 2020-03 | 1 |  | reserve under noncurrent |
| 2020-06 | 0 |  | loans exceed deposits |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 2 | capital falling, deposits shrinking |  |
| 2023-06 | 0 |  | capital falling, deposits shrinking |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | capital falling |  |
| 2025-06 | 0 |  | capital falling |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | capital falling |  |
| 2026-03 | 0 |  | capital falling |
| 2026-06 | 0 |  |  |

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

- 2025-12-13 [The Credit Due: Two United Bank employees reach 50-year milestones - The Parkersburg News and Sentinel](https://news.google.com/rss/articles/CBMivAFBVV95cUxPZWdEY0l1alpHbEZqbjViUWtnOFBId0kyOXI5OXk1MUo1bFNqTzNjSzhNVFVLNlBBNlUxMzV0MTY4bGRvWEJZNnlLLTRaNTBWY1UwbFZNMW10dTIzelc0VmFQeldYRm03SVE2Ym1CN2ozSlNBVGZqMkRSYi1IeXNoTHV1QlFqTVROdVlRaklVdkRRM2ZOakE2TDRhTk9OTVNiY2gxaU5wazFrdW9zM0NUMmxCZ2hwVEdpdU5mOA?oc=5) · The Parkersburg News and Sentinel
- 2025-10-10 [United Bank hires Charlottesville market president - Virginia Business](https://news.google.com/rss/articles/CBMijgFBVV95cUxNMmN1bmotbVV4YzlDNnZMZk5BajFVTF9Wa05JRUhERmU3RUV3Q0RpeUV3OEN4cEVJa2ZROHlDZnlhSlJIS2xhSzZiTWhheEdqVy1iQWk4R2YxN3g1UHctM25pSjhPYnozYWNfUnE5SWM2MXFfQTdRR2FIUHFQM1IzbmZEUy1qTU16YU5YRkNB?oc=5) · Virginia Business
- 2025-11-26 [United Bank Playbook: West Virginia Concludes Season Against Seventh-Ranked Texas Tech - West Virginia University Athletics](https://news.google.com/rss/articles/CBMizAFBVV95cUxPYml4eXVyZmV2VW5CS1QyRll0SlFNWEUwUUNBMmV2eFlYSl9vQmVHb0RIRHNkSHZpSHdsVEViSEFqNzNON2MzV241eExDT1AwRVV2bVJSS0ZHbEZvU2lCd1JIU1Bta1FVOUxidk83ZEVlWWF2VWRGTHVRdUNmUlY2YXd5QVFsVXZsOUk4bW8tSnRhRUx5Tm9aV0Y5Ukw4dmFTLWZjTkhmMTFERXMtamNKa1pIYVJVSU9LckE0R2JiamptU2FQNGp0dzRjLXk?oc=5) · West Virginia University Athletics
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2025-12-17 [First United Bank & Trust opened a new Westridge location on Wednesday - WDTV 5](https://news.google.com/rss/articles/CBMinAFBVV95cUxPcF8za1NUQW1Ld2UtUnJtMmRYVE1mSU01dGRQQXpORXE0OUdqX3RTdE96R3Z2YnlzOTVWemV0NGN0UmJuY244dVdyald2eHlrbnBrT0g1eUxNeG4wQTRPZVdEdWJ0d0JpQk5qSWg4UHM1bDFXcE5mM1A5TFBqS3FzWUVuTE5aOHpmSGotSHAwVXMwQzJWd2VtZVR3QUvSAbABQVVfeXFMT2tnYmwtcUlOcmlaSG5kODFlQWZ6SXdBV0toUTU4WTBQcWVhVENPdEVZWE1qVmRxT0EwZGhoS3FUS1NXQ2t0dVZOUUNUcU1YdFQ1NjM4dTY4N0FtVWJsTjMyRkIwcHB3RUFJeXJBZTBkNGtsSzZJXzJ1MjByd3lRaEhyUzE0aGVkc0VzTl9HRmdkV050X3NjMWQzTktkVjlLdTVDU0RaQ3QwaF82ckV2el8?oc=5) · WDTV 5
- 2026-04-04 [Fed Board Takes Action Against Ex-United Bank Worker - Mirage News](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQME5zSnF1dWJTbEV4VkF0LXlBek40bjZkSEtNa0otek0tcEtzTGstNUFiUlhzYjFySHpqRlBFWGFpQkIxYm9oQzMzTEwtZ01nUWJHbEVmbXBmb2pKVVcxS0hfUjdKNHBmaDVidHA0YXNxTl9hcXhqWlljQkJYcGdsR1l1bXpJMTh1?oc=5) · Mirage News
- 2026-02-12 [PACE Enterprises to team with United Bank and Hope Gas to host 2026 Laurel Leadership Gala - wajr.com](https://news.google.com/rss/articles/CBMiuwFBVV95cUxNZnlGMXJaQkFtd1VCcmdZenVMOXJnZ2VHVFFkbnB1SkQtMjNoblF3bXFtZmgtbVVKVjZ6eWNjd2ctYUJXMmxTbWFqY0R1bnFSV3huM3EwaFVmNHJmc1NYamNPZ29IVzE2VUZtYWdCN3czLUh2ZEE4OUc1bTIydTFIekp5NGlVVm1rdmJfMGNXemlCWGFFYm5DRWJvdnVaUFdBZGZ1U1BoX2VwVnN4RktxQXROYXF1ZnA5TVFV?oc=5) · wajr.com
- 2026-03-05 [Beyond the Valley – Retail: United Bankshares has local, state and regional impact - - The Parkersburg News and Sentinel](https://news.google.com/rss/articles/CBMizgFBVV95cUxOaUlIWDRHbTFHN2lpTUFjLVZhbFh6MlM0OXdYMkd1TFZxbE5rRGZaT3Nzb1paaUZ0aWp6UjFIS3Q1QnpmdjdSS3Y5dGNBZUFGZEE1bDIyN3JpcWVNZGh3d21YaldYSUdCMHdvVXA1VUxkcjgyc3hVVGdwVXYzdWxMd1l4cmVCN1I1VnpzcUZ0UUhNTFp5WEdpYlRId3N0U2g2bW1CUC01dlZtLW16R0pPaU9UT3kybi1TQTZCdXJVVGRmVzlUZ3dWOGZOV1kydw?oc=5) · The Parkersburg News and Sentinel

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=22858 (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/10.json (key "22858", 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