United Bank (FDIC #22858): Bank Stress & Real-Estate Credit Exposure
United Bank (FDIC Cert #22858): bank stress 36/100, contained, STABLE over 7 days; parent UNITED BANKSHARES INC (UBSI).
United Bank (#22858) lends in 102 counties across 9 states; United Bank (#22858) reaches 1,687 ZIP codes: Virginia 31 counties, 303 ZIPs; North Carolina 25 counties, 362 ZIPs; West Virginia 20 counties, 368 ZIPs; Georgia 10 counties, 166 ZIPs; South Carolina 8 counties, 130 ZIPs; Maryland 5 counties, 208 ZIPs.
United Bank (#22858) largest markets: Fayette County, PA (260 branches, 65 ZIPs) (#22858), Baltimore County, MD (57 branches, 57 ZIPs) (#22858), District Of Columbia County, DC (399 branches, 57 ZIPs) (#22858), Montgomery County, MD (212 branches, 53 ZIPs) (#22858), Fairfax County, VA (784 branches, 49 ZIPs) (#22858), Fulton County, GA (48 branches, 48 ZIPs) (#22858).
United Bank (#22858) reports $33.64 billion in total assets; United Bank (#22858) equity $5.62 billion (16.7% of United Bank (#22858) assets); United Bank (#22858) domestic deposits $27.34 billion; United Bank (#22858) net income $261.9 million; United Bank (#22858) return on assets 1.56%; United Bank (#22858) return on equity 9.36%; United Bank (#22858) net interest income $577.2 million; United Bank (#22858) call report June 30, 2026.
United Bank (#22858) noncurrent real-estate loans 0.04% of its book; United Bank (#22858) multifamily 0.09%; United Bank (#22858) residential 0.09%; United Bank (#22858) net charge-offs on real estate 0.50%; United Bank (#22858) multifamily charge-offs 0.08%; United Bank (#22858) residential charge-offs 0.85%.
United Bank (#22858) net interest margin 3.87% against an eight-quarter United Bank (#22858) average of 3.79% (United Bank (#22858) compression -0.08 points); United Bank (#22858) real-estate loans 4.4% of equity; United Bank (#22858) non-residential real estate 84.6% of equity; United Bank (#22858) rate-exposure score 40/100, United Bank (#22858) fixed-rate trap 40/100; United Bank (#22858) risk type rate trapped; United Bank (#22858) rate regime rates elevated; United Bank (#22858) shares 4.7% below the 52-week high, United Bank (#22858) equity trend stable, United Bank (#22858) snapshot October 20, 2026.
United Bank (#22858) stress score moved from 35.7 on June 22, 2026 to 35.8 on October 20, 2026; United Bank (#22858) ranged 35.7 to 35.8 over 117 snapshots.
United Bank (#22858) alerts: 35 counties; top United Bank (#22858) alert scores: Lynchburg County, VA 41 (moderate); Danville County, VA 40 (moderate); Winchester County, VA 36 (moderate); Stafford County, VA 35 (moderate); Charlottesville County, VA 35 (moderate).