United Bank (FDIC #172): Bank Stress & Real-Estate Credit Exposure
United Bank (FDIC Cert #172): bank stress 33/100, contained, STABLE over 7 days; parent UNITED BK EMPLOYEE STK OWNERSHIP PLAN TR.
United Bank (#172) lends in 10 counties across 1 state; United Bank (#172) reaches 60 ZIP codes: Georgia 10 counties, 60 ZIPs.
United Bank (#172) largest markets: Coweta County, GA (24 branches, 12 ZIPs) (#172), Newton County, GA (11 branches, 11 ZIPs) (#172), Meriwether County, GA (10 branches, 10 ZIPs) (#172), Monroe County, GA (20 branches, 10 ZIPs) (#172), Lamar County, GA (18 branches, 9 ZIPs) (#172), Morgan County, GA (9 branches, 9 ZIPs) (#172).
United Bank (#172) reports $2.16 billion in total assets; United Bank (#172) equity $260.0 million (12.0% of United Bank (#172) assets); United Bank (#172) domestic deposits $1.88 billion; United Bank (#172) net income $27.9 million; United Bank (#172) return on assets 2.50%; United Bank (#172) return on equity 22.42%; United Bank (#172) net interest income $52.3 million; United Bank (#172) call report June 30, 2026.
United Bank (#172) noncurrent real-estate loans 0.01% of its book; United Bank (#172) residential 0.07%; United Bank (#172) net charge-offs on real estate 0.22%; United Bank (#172) residential charge-offs 0.07%.
United Bank (#172) net interest margin 4.95% against an eight-quarter United Bank (#172) average of 5.16% (United Bank (#172) compression 0.21 points); United Bank (#172) real-estate loans 1.3% of equity; United Bank (#172) non-residential real estate 6.5% of equity; United Bank (#172) rate-exposure score 40/100, United Bank (#172) fixed-rate trap 40/100; United Bank (#172) risk type rate trapped; United Bank (#172) rate regime rates elevated, United Bank (#172) snapshot October 19, 2026.
United Bank (#172) stress score moved from 34.2 on June 22, 2026 to 33.5 on October 19, 2026; United Bank (#172) ranged 33.5 to 34.2 over 116 snapshots.
United Bank (#172) alerts: 10 counties; top United Bank (#172) alert scores: Macon County, GA 31 (low); Madison County, GA 26 (low); Jackson County, GA 16 (low); Barnesville County, GA 14 (low); Covington County, GA 14 (low).