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

3.72%
Texas Ratio
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, Zebulon

United 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 12/31/2020

United Bank Mortgage Loans Profile

Classic Bank

63.48%

Application Approval Rate

Classic Bank

$150,583

Average Mortgage Loan Amount

Classic Bank

1,391

Number of Loan Applications

Classic Bank

$109,762

Average Income of Applicants with Approved Loans

Classic Bank

2.32%

Average Cost of Loans

Classic Bank

34.58%

Average Debt to Income Ratio

* All data provided by the Home Mortgage Disclosure Act, at cfpb.gov updated 12/31/2019

Distribution of Mortgage Loans

Top Counties by Number of Mortgage Loan Applications

1 Spalding

Number of Loan Applications
206
Average Loan Amount
$129,452
Approval Rate
70.87%
Average Income of Approved Loans’ Applicants
$103,739

2 Upson

Number of Loan Applications
169
Average Loan Amount
$85,531
Approval Rate
66.86%
Average Income of Approved Loans’ Applicants
$92,206

3 Pike

Number of Loan Applications
129
Average Loan Amount
$136,923
Approval Rate
60.47%
Average Income of Approved Loans’ Applicants
$87,055

4 Lamar

Number of Loan Applications
123
Average Loan Amount
$108,099
Approval Rate
57.72%
Average Income of Approved Loans’ Applicants
$67,986

5 Monroe

Number of Loan Applications
121
Average Loan Amount
$122,013
Approval Rate
63.64%
Average Income of Approved Loans’ Applicants
$89,219

6 Butts

Number of Loan Applications
112
Average Loan Amount
$182,377
Approval Rate
54.46%
Average Income of Approved Loans’ Applicants
$113,034

Top States by Number of Mortgage Loan Applications

1 Georgia

Number of Loan Applications
1,366
Average Loan Amount
$148,206
Approval Rate
63.47%
Average Income of Approved Loans’ Applicants
$104,722

2 Florida

Number of Loan Applications
12
Average Loan Amount
$133,000
Approval Rate
41.67%
Average Income of Approved Loans’ Applicants
$402,750

3 Alabama

Number of Loan Applications
4
Average Loan Amount
$392,500
Approval Rate
100.00%
Average Income of Approved Loans’ Applicants
$757,500

4 South Carolina

Number of Loan Applications
3
Average Loan Amount
$455,000
Approval Rate
100.00%
Average Income of Approved Loans’ Applicants
$184,000

5 Tennessee

Number of Loan Applications
3
Average Loan Amount
$355,000
Approval Rate
33.33%
Average Income of Approved Loans’ Applicants
$93,000

6 North Carolina

Number of Loan Applications
2
Average Loan Amount
$195,000
Approval Rate
100.00%
Average Income of Approved Loans’ Applicants
$22,000