United Bank: how it compares with its peers
Against 8 GA banks with half to twice its assets, United Bank's strongest measure in Q2 2026 is return on assets (2.50% vs. a 1.43% peer median). Its weakest relative measure is assets per employee ($5.2M vs. $6.9M).
| Measure | United Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.50% | 1.43% | Top third Ahead of 100% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.95% | 4.22% | Top third Ahead of 88% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 46.27% | 63.96% | Top third Ahead of 75% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.2M | $6.9M | Bottom third Ahead of 0% of peers |
| Loans to deposits Net loans and leases over total deposits. | 49.27% | 87.09% | Context |
What it means for lending operations
Its efficiency ratio of 46.27% is better than the 63.96% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Thomasville National Bank Thomasville, GA · $2.18B
- Queensborough National Bank & Trust Company Louisville, GA · $2.28B
- PrimeSouth Bank Blackshear, GA · $1.60B
- BankSouth Greensboro, GA · $1.59B
- PeoplesSouth Bank Colquitt, GA · $1.21B
- Georgia Banking Company Atlanta, GA · $3.26B
Questions about United Bank
How big is United Bank?
United Bank, established in 1905, is headquartered in Zebulon, GA. It reported $2.16B in total assets in its Q2 2026 FDIC call report and operates 17 offices.
What is United Bank's return on assets?
2.50% annualized in Q2 2026, against a 1.43% median for 8 GA banks with half to twice its assets, ahead of 100% of them.
What is United Bank's efficiency ratio?
46.27% in Q2 2026: it spent about 46 cents in noninterest expense for each dollar of revenue. The peer median is 63.96%, and lower is better.
Is United Bank growing its loans?
Net loans grew 2.5% over the year to Q2 2026, while deposits grew 0.3%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are GA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Georgia bank ranked.