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BDI
UB

United Bank

Zebulon, GeorgiaFDIC Cert #172

STATEEstablished 190518 branches

Holding company: UNITED BK EMPLOYEE STK OWNERSHIP PLAN TRRegulator: FDIC

FDICCERT + OFFDOM

Balance sheet & income statement

Financials

Reported balance-sheet positions and year-to-date earnings from the latest FDIC Call Report.

As of Q1 2026

Balance sheet trend

Assets & deposits

Time range
Reporting mode
Assets and deposits by reporting quarter
QuarterAssetsDeposits
Q2 2021$2.09B$1.9B
Q3 2021$2.17B$1.97B
Q4 2021$2.28B$2.1B
Q1 2022$2.37B$2.19B
Q2 2022$2.4B$2.22B
Q3 2022$2.38B$2.2B
Q4 2022$2.42B$2.23B
Q1 2023$2.28B$2.07B
Q2 2023$2.24B$2.03B
Q3 2023$2.16B$1.95B
Q4 2023$2.23B$2B
Q1 2024$2.15B$1.9B
Q2 2024$2.12B$1.88B
Q3 2024$2.1B$1.83B
Q4 2024$2.22B$1.96B
Q1 2025$2.15B$1.86B
Q2 2025$2.15B$1.88B
Q3 2025$2.19B$1.89B
Q4 2025$2.33B$2.07B
Q1 2026$2.22B$1.95B

Balance sheet

Core assets, funding, and capital reported at quarter end.

Assets
$2.22B
+3.0%y/y
Percentile by value79th percentileby value
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICASSET
Deposits
$1.95B
+4.5%y/y
Percentile by value81st percentileby value
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICDEP
Gross loans
$935M
+0.8%y/y
Percentile by value37th percentileby value
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICLNLSGR
Net loans
$916M
+0.7%y/y
Percentile by value37th percentileby value
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICLNLSNET
Securities
$727M
+14.2%y/y
Percentile by value97th percentileby value
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICSC
Cash
$518M
−5.6%y/y
Percentile by value98th percentileby value
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICCHBAL
Liabilities
$1.97B
+4.4%y/y
Percentile by value79th percentileby value
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICLIAB
Equity
$249M
−6.4%y/y
Peer standing83rd percentile
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICEQ

Income statement

Year-to-date reported earnings and core revenue components.

Revenue
$34.1M
−0.4%y/y
Peer standing95th percentile
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICNIM + NONII
NII
$26.1M
−1.5%y/y
Peer standing94th percentile
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICNIM
Noninterest income
$7.98M
+3.3%y/y
Peer standing95th percentile
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICNONII
Provision
$122K
−76.3%y/y
Percentile by value30th percentileby value
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICELNATR
Pretax income
$19.1M
−1.4%y/y
Peer standing98th percentile
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICPTAXNETINC
Net income
$14.7M
−4.8%y/y
Peer standing98th percentile
Peer standing in FFIEC UBPR Peer Group 4 — Insured commercial banks having assets between $1 billion and $3 billion
FDICNETINC