# UNITED BANK
PARKERSBURG, WV · FDIC certificate 6784 · asset band $1-10B · latest filing 2017-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 5 (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 | $6.31B | |
| Deposits | $4.95B | |
| Loans and leases | $4.89B | |
| Total equity | $715.9M | |
| Loans / deposits | 97.71% (p72 of band) | 89.41% |
| Liquid assets / assets | 17.81% (p39 of band) | |
| Uninsured deposits / deposits | 26.90% (p52 of band) | 25.99% |
| Brokered deposits | 16.30% | |
| Wholesale funding | 26.25% (p93 of band) | |
| FHLB advances / assets | 3.17% | |
| Tier 1 leverage | 10.90% (p71 of band) | 10.05% |
| Unrealized securities loss / equity | 0.15% (p58 of band) | -0.01% |
| AOCI / equity | 0.59% (p51 of band) | |
| ROA (annualized) | 0.94% (p41 of band) | 1.02% |
| Net interest margin | 3.25% (p30 of band) | 3.52% |
| Efficiency ratio | 50.62% (p15 of band) | |
| Noncurrent loans | 2.57% (p95 of band) | 0.54% |
| Net charge-offs (annualized) | 0.35% (p94 of band) | |
| Reserve coverage of noncurrent | 40.93% | |
| Real estate % of loans | 67% | |
| Construction % of loans | 60.72% (p70 of band) | |
| Auto loans | $554.3M (11.34% of loans; DQ 1.45%, NCO 0.02%) | |
| Loans to nondepository financials | $0 (0% of equity) (p37 of band) | |
| Deposits YoY | 6.9% | |
| Employees | 901 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 1 | reserve under noncurrent |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 2 | wholesale funding >15% |  |
| 2013-09 | 1 |  | wholesale funding >15% |
| 2013-12 | 3 | wholesale funding >15%, capital falling |  |
| 2014-03 | 4 | loans exceed deposits |  |
| 2014-06 | 4 |  |  |
| 2014-09 | 4 |  |  |
| 2014-12 | 3 |  | capital falling |
| 2015-03 | 2 | charge-offs p90 | wholesale funding >15%, loans exceed deposits |
| 2015-06 | 3 | wholesale funding >15% |  |
| 2015-09 | 4 | brokered >10% |  |
| 2015-12 | 5 | loans exceed deposits |  |
| 2016-03 | 5 | uninsured deposits leaving | loans exceed deposits |
| 2016-06 | 6 | loans exceed deposits |  |
| 2016-09 | 6 |  |  |
| 2016-12 | 6 |  |  |
| 2017-03 | 4 |  | uninsured deposits leaving, loans exceed deposits |
| 2017-06 | 6 | loans exceed deposits, noncurrent p90 |  |
| 2017-09 | 5 |  | loans exceed deposits |

## 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
- 2026-06-22 [United Bankshares CEO Rick Adams Jr. charts new growth path after decades of acquisitions - The Business Journals](https://news.google.com/rss/articles/CBMijgFBVV95cUxOd0xuc1F3WGtuTGNwZ3llTWVaT3czejQzYUVSY003VzNwOFZ5MXc2Qnd2YXBQV0RaWHRFMDlqVzlidzZmbDZpMnZMc1NoNnJVQmNQUUp5VXF0Mm1FR3gxQ1BUa3l5anZpaGk5R2F1a1A0TGlleENFVHprX2hlLWZlQ3hLMVdVbWkzVzAzR0xR?oc=5) · The Business Journals
- 2025-12-17 [First United Bank & Trust opens new WestRidge branch, marking growth and 125-year milestone - WV News](https://news.google.com/rss/articles/CBMigwJBVV95cUxNcGl6M0lFN2VLZnowSVB3MG9CQ1FUeVpZdXBsNU9PcURiRFFjYXotSTE2OERMOWhvYm5BU0p5ampGS1FvX2Yyaks4VC1DTzNOQmRMX2FhMnprNVFTUXhZN1NNczJGMndfX0pROUJUV2ZhT2tMWVJORFM2SXhFWUZ2VHAwZ1RZMERYZUxCTHdjTEdKUVl1SHhsamxkNUZnbE14dmdlUXpjV1dNejlfWkROSlBmeENNbXVPX2ZBWTQ3a0I0QU1NcWtlOEJTc0t0QzFjMDhFcThpNjBPd1lsdmVLZkhCYkk4aTc4S3VNU1Y4ZjVWMjZabVhFQ0pvTnJPNVNQNVJr?oc=5) · WV News
- 2026-03-28 [A conversation with Emily Bartram, United Bank’s Huntington market president - Charleston Gazette-Mail](https://news.google.com/rss/articles/CBMi6wFBVV95cUxNMW4wNU8wRklrZE9xc1NpZE1SU1pXYzRzT1dFTHNkZDFBZUZUcmtPSVVMeV9kVEJUb05YWm8yVmp2bTIwWHV1NFBaWXhRSUZHWTRRanpHU0JZZFJEQ2ZmM0wzZnpEYXRTUEt4RGFQNWZ2b0pyLUozaDVDdUhwYWQ5QTc4NnhoVnJYaTFFd0JsTzg1NWt6THVJN0lJc0I4b2R1YzZ6WWhFYk85SjduVGFLZVBjbkVyMFU5ejh4ZTlJeUFNazI3dk94cmVRQkpoam03Z2w3S2FNZ0VLLXNjZ19BbTZYVkM3Z0g1Uzhz?oc=5) · Charleston Gazette-Mail
- 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
- 2026-03-18 [United marks 187th anniversary, St. Patrick’s Day with shamrocks - - The Parkersburg News and Sentinel](https://news.google.com/rss/articles/CBMitwFBVV95cUxQXzhXeXQxZW04dkhLS2hhWnQ3Q2FkdHJYa3N0bUtZT1h1LWZyVEVzNE5QeU05b0JtdHJsWVJLQVJjSHkxMENBdExURlVCelZjeUFfbk96c0FfXzdFeDlidHI3cnVoTnJWOWU5dl9McTVXOTRIamZJYTNZX1hBaG0yWFJNQWhRelJYOVBuLUd0SFI2STFhcjJmdGR6UjBmbE9hRlE4YUd3YXBObDlBcGNwNk5zSzc5RzQ?oc=5) · The Parkersburg News and Sentinel
- 2025-11-24 [United Bank promotes Gurtis - Post and Courier](https://news.google.com/rss/articles/CBMixgFBVV95cUxQS0h6U3k4NnllMzZHRk5ScmhIZkdmNzRPUHVqTWEtajVTMW9VcW9ZSUJZZVVHaHExdTFILUdnLXdHaEp1dVJsXzVYUnBFaHplemNDdHFQZjhrTG1oaGFEZmpZSmVhbmJxWEhQRkJZTjFnUWhybWM4VEZWUUVaWUlZQUpBdW9pOVpBck9FOGEySDNNU2V5MnpSOTJ4NmpYRU05VzdIZGhmY0lIOUgzaUFwanU5bWNhMzl6UUpFMkl0VThIYkpCZkE?oc=5) · Post and Courier
- 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

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=6784 (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/0.json (key "6784", 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