United Bank
Established in 1905
About United Bank
United Bank was established on 1905. The bank's headquarters are located at 685 Griffin Street in Zebulon, Georgia.
United Bank is an FDIC insured bank with FDIC number 172 managing assets to the value of $1,931,825 as of 12/31/2020.
United Bank has a Texas ratio of 3.72%.
The bank Texas Ratio is an indicator of the bank's health developed at RBC Capital Markets to measure a financial institution's credit troubles. The lower the Texas Ratio, the healthier the bank.
About the Bank
FDIC Certificate #
172
Active Insured Since #
1/1/1934
Financial Profile
Dollar figures in thousands (000's)
| As of 12/31/2020 | |
|---|---|
| Total Assets | $1,931,825 |
| Equity Capital | $172,389 |
| Total Deposits | $1,753,795 |
| Total Liabilities | $1,759,436 |
| Total Securities | $382,505 |
| Net Loans And Leases | $769,518 |
| Loan Loss Allowance | $15,109 |
| Total Loans And Leases | $784,627 |
| YTD (as of 12/31/2020) | |
|---|---|
| Return On Assets | 2.09% |
| Return On Equity | 20.94% |
| Total Interest Income | $56,311 |
| Total Interest Expense | $2,969 |
| Total Non Interest Income | $29,237 |
| Total Non Interest Expense | $44,367 |
Headquarters
685 Griffin Street 30295, ZebulonUnited Bank branches near me
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Total Loans and Leases Statistics
Total Loans and Leases $784,627 In thousands (000's) * All data provided by fdic.gov updated 12/31/2020United Bank Mortgage Loans Profile
63.48%
Application Approval Rate
$150,583
Average Mortgage Loan Amount
1,391
Number of Loan Applications
$109,762
Average Income of Applicants with Approved Loans
2.32%
Average Cost of Loans
34.58%
Average Debt to Income Ratio
Distribution of Mortgage Loans
Top Counties by Number of Mortgage Loan Applications
1 Spalding
206
$129,452
70.87%
$103,739
2 Upson
169
$85,531
66.86%
$92,206
3 Pike
129
$136,923
60.47%
$87,055
4 Lamar
123
$108,099
57.72%
$67,986
5 Monroe
121
$122,013
63.64%
$89,219
6 Butts
112
$182,377
54.46%
$113,034
Top States by Number of Mortgage Loan Applications
1 Georgia
1,366
$148,206
63.47%
$104,722
2 Florida
12
$133,000
41.67%
$402,750
3 Alabama
4
$392,500
100.00%
$757,500
4 South Carolina
3
$455,000
100.00%
$184,000
5 Tennessee
3
$355,000
33.33%
$93,000
6 North Carolina
2
$195,000
100.00%
$22,000