United Bank (FDIC #58): Bank Stress & Real-Estate Credit Exposure
United Bank (FDIC Cert #58): bank stress 47/100, moderate, STABLE over 7 days; parent UNITED BCORP OF ALABAMA INC.
United Bank (#58) lends in 6 counties across 2 states; United Bank (#58) reaches 108 ZIP codes: Alabama 5 counties, 98 ZIPs; Florida 1 county, 10 ZIPs.
United Bank (#58) largest markets: Mobile County, AL (39 branches, 39 ZIPs) (#58), Baldwin County, AL (216 branches, 24 ZIPs) (#58), Monroe County, AL (34 branches, 17 ZIPs) (#58), Wilcox County, AL (15 branches, 15 ZIPs) (#58), Escambia County, AL (30 branches, 10 ZIPs) (#58), Santa Rosa County, FL (30 branches, 10 ZIPs) (#58).
United Bank (#58) reports $1.48 billion in total assets; United Bank (#58) equity $221.1 million (14.9% of United Bank (#58) assets); United Bank (#58) domestic deposits $1.22 billion; United Bank (#58) net income $9.5 million; United Bank (#58) return on assets 1.31%; United Bank (#58) return on equity 8.81%; United Bank (#58) net interest income $29.7 million; United Bank (#58) call report June 30, 2026.
United Bank (#58) noncurrent real-estate loans: none reported; United Bank (#58) net charge-offs on real estate 1.79%; United Bank (#58) residential charge-offs 3.86%.
United Bank (#58) net interest margin 4.47% against an eight-quarter United Bank (#58) average of 4.58% (United Bank (#58) compression 0.10 points); United Bank (#58) non-residential real estate 386.3% of equity; United Bank (#58) rate-exposure score 40/100, United Bank (#58) fixed-rate trap 40/100; United Bank (#58) risk type credit driven; United Bank (#58) rate regime rates elevated, United Bank (#58) snapshot October 19, 2026.
United Bank (#58) stress score moved from 49.2 on June 22, 2026 to 47 on October 19, 2026; United Bank (#58) ranged 47 to 49.2 over 116 snapshots.
United Bank (#58) alerts: 6 counties; top United Bank (#58) alert scores: Camden County, AL 19 (low); Flomaton County, AL 19 (low); Milton County, AL 19 (low); Monroeville County, AL 19 (low); Semmes County, AL 19 (low).