Checked
United Bank
Atmore, AL · State-chartered bank (not a Fed member) · Part of United Bcorp of Alabama Inc
- Total assets
- $1.48B
- Q2 2026
- Deposits
- $1.22B
- Net income
- $9.54M
- first half of 2026
- Return on assets
- 1.31%
- Annualized
Bank details
As reported to the FDIC
- FDIC certificate
- 58
- Main office
- Atmore, AL
- Holding company
- United Bcorp of Alabama Inc
- Charter
- State-chartered bank (not a Fed member)
- Primary federal regulator
- Federal Deposit Insurance Corporation (FDIC)
- Established
- 01/04/1904
- FDIC insured since
- 01/01/1934
- U.S. offices
- 20
- Employees (full-time equivalent)
- 278
- Specialty
- Commercial Lending Specialization
- Website
- www.unitedbank.com
Quarterly financials
From the bank's Call Reports. Income figures are year to date; ratios are annualized.
| Quarter | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $1.48B | $1.45B | $1.45B | $1.42B | $1.42B | $1.39B | $1.39B | $1.37B |
| Deposits | $1.22B | $1.2B | $1.19B | $1.18B | $1.18B | $1.16B | $1.17B | $1.15B |
| Net loans and leases | $929.8M | $891.5M | $882.5M | $893.1M | $880.6M | $869.6M | $860.9M | $846.4M |
| Securities | $304.2M | $302.9M | $297.4M | $290.5M | $286.1M | $285.2M | $265.8M | $289.4M |
| Equity capital | $221.1M | $215.9M | $213M | $207.3M | $200.1M | $194.4M | $186.3M | $179.5M |
| Net income (year to date) | $9.54M | $4.09M | $18.67M | $14.23M | $9.72M | $4.65M | $23.77M | $16.32M |
| Return on assets | 1.31% | 1.13% | 1.32% | 1.35% | 1.39% | 1.33% | 1.78% | 1.64% |
| Return on equity | 8.81% | 7.62% | 9.33% | 9.63% | 10.04% | 9.77% | 13.92% | 13.04% |
| Net interest margin | 4.47% | 4.34% | 4.66% | 4.68% | 4.67% | 4.59% | 4.62% | 4.59% |
| Efficiency ratio | 62.7% | 65.2% | 60.6% | 58.7% | 56.4% | 54.2% | 51.5% | 53.6% |
| Noncurrent loans | 1.37% | 1.81% | 1.79% | 0.90% | 1.10% | 1.58% | 1.57% | 1.82% |
| Net charge-off rate | 0.03% | 0.01% | 0.55% | 0.67% | 0.79% | -0.02% | 0.43% | 0.31% |
| Leverage (core capital) ratio | 15.79% | 15.49% | 15.38% | 15.20% | 14.89% | 14.70% | 14.46% | 14.41% |
| Total risk-based capital ratio | 21.86% | 22.06% | 21.89% | 21.48% | 21.77% | 21.62% | 21.32% | 20.61% |
Assets grew 4.5% from Q2 2025.
Loan mix
Share of gross loans, Q2 2026
- Real estate loans$610.1M65.6%
- Commercial and industrial loans$198.4M21.3%
- Consumer loans$36.07M3.9%
Find bank branches in Alabama · Employees: 278
Frequently asked questions
- What is United Bank's FDIC certificate number?
- United Bank's FDIC certificate number is 58.
- How big is United Bank?
- United Bank reported total assets of $1.48B and deposits of $1.22B as of Q2 2026.
- Is United Bank FDIC insured?
- Yes. United Bank has been insured by the FDIC since 01/01/1934. Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
Source: Federal Deposit Insurance Corporation, BankFind Suite (Call Report data) · Last updated 06/30/2026