Headquartered in Zebulon, Georgia, United Bank is a state-chartered bank with $2.2B in total assets and $1.9B in deposits as of Q2 2026. It operates 17 offices. Its charter dates back to 1905.
Based on its Q2 2026 filing, United Bank scores 89/100, which we describe as very strong. That is higher than 99% of 897 banks with $1 billion – $10 billion. Among 124 banks headquartered in Georgia, it ranks 16th. Its strongest component is earnings (100/100; 2.50%), and its lowest is capital cushion (78/100; 12.75%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 3 points (86 → 89), mostly because the loan quality component improved by 10 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 86 |
| Q3 2024 | 89 |
| Q4 2024 | 84 |
| Q1 2025 | 88 |
| Q2 2025 | 86 |
| Q3 2025 | 87 |
| Q4 2025 | 83 |
| Q1 2026 | 86 |
| Q2 2026 | 89 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.78% |
| Q3 2024 | 12.61% |
| Q4 2024 | 12.55% |
| Q1 2025 | 13.22% |
| Q2 2025 | 12.59% |
| Q3 2025 | 13.18% |
| Q4 2025 | 11.24% |
| Q1 2026 | 11.94% |
| Q2 2026 | 12.75% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.28% |
| Q3 2024 | 0.22% |
| Q4 2024 | 0.59% |
| Q1 2025 | 0.47% |
| Q2 2025 | 0.53% |
| Q3 2025 | 0.55% |
| Q4 2025 | 0.28% |
| Q1 2026 | 0.26% |
| Q2 2026 | 0.23% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.85% |
| Q3 2024 | 2.72% |
| Q4 2024 | 2.73% |
| Q1 2025 | 2.83% |
| Q2 2025 | 2.72% |
| Q3 2025 | 2.69% |
| Q4 2025 | 2.66% |
| Q1 2026 | 2.59% |
| Q2 2026 | 2.50% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 89 | $2.2B | 12.75% | 0.23% | 2.50% | 49.3% |
| Q1 2026 | 86 | $2.2B | 11.94% | 0.26% | 2.59% | 47.1% |
| Q4 2025 | 83 | $2.3B | 11.24% | 0.28% | 2.66% | 44.1% |
| Q3 2025 | 87 | $2.2B | 13.18% | 0.55% | 2.69% | 48.7% |
| Q2 2025 | 86 | $2.2B | 12.59% | 0.53% | 2.72% | 48.2% |
| Q1 2025 | 88 | $2.2B | 13.22% | 0.47% | 2.83% | 48.8% |
| Q4 2024 | 84 | $2.2B | 12.55% | 0.59% | 2.73% | 45.2% |
| Q3 2024 | 89 | $2.1B | 12.61% | 0.22% | 2.72% | 47.3% |
| Q2 2024 | 86 | $2.1B | 11.78% | 0.28% | 2.85% | 45.4% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Georgia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Thomasville National BankBank Thomasville, GA | 76 out of 100, Strong | $2.2B | 10.7% | 0.22% | vs |
| Queensborough National Bank & Trust CompanyBank Louisville, GA | 62 out of 100, Moderate | $2.3B | 8.6% | 0.59% | vs |
| PrimeSouth BankBank Blackshear, GA | 66 out of 100, Moderate | $1.6B | 12.0% | 1.48% | vs |
| BankSouthBank Greensboro, GA | 68 out of 100, Moderate | $1.6B | 10.2% | 0.55% | vs |
| PeoplesSouth BankBank Colquitt, GA | 69 out of 100, Moderate | $1.2B | 10.4% | 1.02% | vs |
| Georgia Banking CompanyBank Atlanta, GA | 64 out of 100, Moderate | $3.3B | 10.8% | 0.67% | vs |
Deposit insurance
Is my money safe at United Bank?
Yes. United Bank is an FDIC-insured institution (FDIC certificate #172). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 27.0% of deposits ($507.8M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.75%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 25.61% (benchmark: 10%).
17 locations
Branches
United Bank lists 17 offices in 12 cities. Most locations:
- Griffin, GA (3)
- Barnesville, GA (2)
- Newnan, GA (2)
- Thomaston, GA (2)
- Covington, GA (1)
- Forsyth, GA (1)
- Jackson, GA (1)
- Macon, GA (1)
- Madison, GA (1)
- Williamson, GA (1)
- Woodbury, GA (1)
- Zebulon, GA (1)
HMDA 2025
Mortgage lending
In 2025, United Bank reported 1,049 home-loan applications under HMDA (LEI 549300S61HFNW2YFEK61): 698 originated ($130,590,000 total), 174 denied, and 143 withdrawn or closed by the applicant. Its denial rate on decided applications was 19.2%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- United Bank
- Former names
- The Bank of Zebulon; United Bank of Pike
- Type
- State-chartered bank
- FDIC certificate #
- 172
- RSSD ID
- 37435
- Primary regulator
- FDIC
- Holding company
- United Bk Employee Stk Ownership Plan Tr
- Established
- January 31, 1905
- Headquarters
- 685 Griffin St, Zebulon, GA 30295
- Website
- www.accessunited.com
- Employees
- 418
Quick answers
United Bank: common questions
Is United Bank FDIC insured?
Yes. United Bank is an FDIC-insured institution (FDIC certificate #172). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is United Bank's TellerScore?
89 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has United Bank ever failed?
There is no failure record for FDIC certificate #172 in the FDIC failed bank list.
How many branches does United Bank have?
17 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Zebulon
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| West Central Georgia BankBank Thomaston, GA | 97 out of 100, Very strong | $160.4M | 22.2% | 0.04% | vs |
| First National Bank of GriffinBank Griffin, GA | 84 out of 100, Strong | $368.3M | 11.4% | 0.04% | vs |
| Delta Community Credit UnionCredit union Atlanta, GA | 81 out of 100, Strong | $9.1B | 12.6% | 0.22% | vs |
| First Peoples BankBank Pine Mountain, GA | 77 out of 100, Strong | $449.4M | 12.8% | 0.12% | vs |
| The Southern Credit UnionCredit union Fayetteville, GA | 76 out of 100, Strong | $560.2M | 11.6% | 0.10% | vs |
| Bank OZKBank Little Rock, AR | 76 out of 100, Strong | $41.7B | 14.0% | 0.92% | vs |