# UNITED BANK
ATMORE, AL · FDIC certificate 58 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $1.48B | |
| Deposits | $1.22B | |
| Loans and leases | $942.2M | |
| Total equity | $221.1M | |
| Loans / deposits | 75.94% (p25 of band) | 87.10% |
| Liquid assets / assets | 31.76% (p78 of band) | |
| Uninsured deposits / deposits | 48.43% (p89 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.89% (p28 of band) | |
| FHLB advances / assets | 0.23% | |
| Tier 1 leverage | 15.79% (p94 of band) | 10.50% |
| Unrealized securities loss / equity | -11.69% (p36 of band) | -7.75% |
| AOCI / equity | -0.74% (p26 of band) | |
| ROA (annualized) | 1.31% (p56 of band) | 1.26% |
| Net interest margin | 4.47% (p87 of band) | 3.70% |
| Efficiency ratio | 62.73% (p62 of band) | |
| Noncurrent loans | 1.35% (p81 of band) | 0.51% |
| Net charge-offs (annualized) | 0.02% (p45 of band) | |
| Reserve coverage of noncurrent | 96.96% | |
| Real estate % of loans | 65% | |
| Construction % of loans | 65.36% (p68 of band) | |
| Auto loans | $13.2M (1.40% of loans; DQ 4.83%, NCO 0.01%) | |
| Loans to nondepository financials | $6.5M (3% of equity) (p80 of band) | |
| Deposits YoY | 3.9% | |
| Employees | 278 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 4 | expense ratio p90, uninsured deposits leaving |  |
| 2012-09 | 1 |  | capital falling, expense ratio p90, uninsured deposits leaving |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 0 |  | reserve under noncurrent |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | capital falling |  |
| 2017-03 | 1 | reserve under noncurrent | capital falling |
| 2017-06 | 0 |  | reserve under noncurrent |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | reserve under noncurrent |  |
| 2018-03 | 2 | charge-offs p90 |  |
| 2018-06 | 1 |  | reserve under noncurrent |
| 2018-09 | 1 | reserve under noncurrent | charge-offs p90 |
| 2018-12 | 0 |  | reserve under noncurrent |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | capital falling |  |
| 2019-09 | 0 |  | capital falling |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 3 | noncurrent p90, reserve under noncurrent, uninsured deposits leaving |  |
| 2022-03 | 1 |  | noncurrent p90, reserve under noncurrent |
| 2022-06 | 4 | AOCI drag >20% of equity, securities losses >30% of equity, construction >100% equity |  |
| 2022-09 | 5 | capital falling |  |
| 2022-12 | 3 |  | construction >100% equity, capital falling |
| 2023-03 | 1 |  | uninsured deposits leaving, AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 3 | construction >100% equity, deposits shrinking |  |
| 2023-12 | 1 |  | securities losses >30% of equity, construction >100% equity |
| 2024-03 | 0 |  | deposits shrinking |
| 2024-06 | 1 | construction >100% equity |  |
| 2024-09 | 2 | noncurrent p90, reserve under noncurrent | construction >100% equity |
| 2024-12 | 1 |  | noncurrent p90 |
| 2025-03 | 0 |  | reserve under noncurrent |
| 2025-06 | 1 | charge-offs p90 |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2026-03 | 1 |  | charge-offs p90, noncurrent p90 |
| 2026-06 | 1 |  |  |

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

- 2026-07-08 [Activist investors demand changes at Alabama community bank - American Banker](https://news.google.com/rss/articles/CBMimwFBVV95cUxQX1Q1SjN1Q1hQNk1sZ2RaMXhWOGtHQWlHNmNWeDFzV0gzMzRPaXNzQ1BSVV9KLTZueFY3bjJiZU5VRHR0cWRRYkhjbjNwMDd6RmduaDJOQ0F4ajlzSkZqYnY5NnczcTBKemsxQjZFSHVENlRqVDZJQTJxNnhScGpxZDJJT216MTlNM1VxU2xiYzlfM2g1SkVIR00xcw?oc=5) · American Banker
- 2024-09-05 [United Bancorporation of Alabama, Inc. announces merger between United Bank and Town-Country United Bank - PR Newswire](https://news.google.com/rss/articles/CBMi7wFBVV95cUxOeTJBb0Q1eXpCSlU3ckF4b0I1UXF6bW1XRkdzbGdHQTh1TkJXZlFBZ0ZGSk5ZZU45b2tsZGM0cEF0QWhfU1pYRUZGYWVURDY0aU45Sm5PNDF3WlM4UUpUVjVCN3Z1bVN0aHhpMGJfYVpjdmUzalNmQVpieFlHelZWYUVldXJ0T0l2VThuaVhtUDhrTWZmWDVaQnNfTlB2VjJVcDZxMDFqTFJfNnhSQlJjcGFweDM0OTI0MktDNDZlZS1fWjFCWlRJZVcxVkR4X1NPOENhYlpnbUpDWEFvM0RKelBDNE9PZlc4NHNDS1ZRRQ?oc=5) · PR Newswire
- 2022-03-30 [Newsweek taps United Bank, PNC as tops in Alabama - businessalabama.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxNb0xNRzJxTHJibVZSVG5kekVUcnlDVlphM29RNDJORjV1V2cxY2NNaHNWMVNnYXl1Y3RFUWg2c0pEdnZXTnloZjVrSVlRb3lRSjUwTlBBdHdLZHBlZkVGVHdVcnRqS2pYM3oxYmpzOFVmUDhEUE9PcmY1dnloeEk1aEc0dw?oc=5) · businessalabama.com
- 2021-08-25 [United Bank announces promotions - Atmore News](https://news.google.com/rss/articles/CBMieEFVX3lxTE5MZTc1NTVkVFBlY1JOQkZxS0ZtNS11STVFd2pRclJxQmlsbGVfcm1jbjg4eE9iLXQtaExmMXVUNkM0aktNUU5sS2lxOEM0VTJmQldWa0FVbk1XdGEtWlc4MGE1NzM4U0ZSY212QUx6NVRSYVdoWlJQbw?oc=5) · Atmore News
- 2022-05-18 [Digital Transformation Shapes the Future of AUB - CFI.co — Capital Finance International](https://news.google.com/rss/articles/CBMioAFBVV95cUxOY0JUdDl4MDI0aDhvNE8tLWRYemdqc24tRjBJMGpMM1JhOF9zcExfS0ZSeEFnZWhCeXppa1RleE1pN3BMMmJOSjB2VGh1ZGpQclVGZ05ndEZCY203NXA0LUV6bEZuS1o0bDRkX1kyaDhHd25YbWNRcUplUUM2Mkk3RjRqdFlZZ0pFMFFrbEpZN092dHhCMWlLQWxCakkxTHow?oc=5) · CFI.co — Capital Finance International
- 2021-04-06 [Kuwait Banking and Finance Roundtable: Jehad Al-Humaidhi, Acting CEO | Ahli United Bank - Global Finance Magazine](https://news.google.com/rss/articles/CBMiywFBVV95cUxPbDN5akFCWV92RDBlaDBPOGhTNnJkV29LV0pUM0hrcUNnOVpPSHNjTWRiZnh0aFFLM1dHeDNRQ0czb2YzVjBnWXJfUUNNSWFCNnpoMmVqTk1SVF9veDRzM3VWQ0RQQkFmWGt5ck9FLTNRX1kxVnhYc1JzNjA5bE9YWWlIQXllOWJRTFduNW5ZakQxRHJKV2N5REo0MS1YUU5uaWluVXc5S2tudVU5RXpSaUE1N2pPUGZfRmdTeWZ0N1ZjOXhlb3hSNl9jTQ?oc=5) · Global Finance Magazine
- 2026-06-24 [PSX loses steam amid cautious trading - The Express Tribune](https://news.google.com/rss/articles/CBMif0FVX3lxTE52ZXJWLTRpMVY4SE5uS0RDNmpNYUxBRDExNzhYWUZOREc4R1EwVVJkYUJsVTlWbHlfZzVLbHNMMTN2bXhWems2UUhIakZWajc0c291UndpVGcycExpTmlKVWNtaTExWnk3SFNfRThNMHRpNFpGcEtwTGVGMXZOYzjSAYcBQVVfeXFMT3Zuay03NF9MMm8wcWZFZWVHTjE2REMybVJMSEhZWkwtRnFfZGFyaE5SNFFrVEVnLUg1THktMzJ2SUhGM3dBemxiUWNaRGdQT1l0anVKYTdGcTNPTm54LWxacFhmbW1TSVlfRTRvUm1XR1JOQ1BQeFEzU1JLYzIwZDh2NzRsMjZ3?oc=5) · The Express Tribune
- 2022-09-26 [Millennial Bank, United Bank boosting metro footprints - The Business Journals](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNa2EwWnZoYng3VUNadTg2eEhGajlDM3FRMldCWU5uaUpaelY3a3FVdG5xSEJIdG5ld0p3Tl80aWEtRjBjV0RBSjlxNEgyci1RYk9QdDZTUThHblhNbGVObko5WWdybWh2cXA5RVZzajFPdG83YUl5ank4ZlczSUJxUDZfS183WVlv?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58 (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/58.json (key "58", 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