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Q2 2026 · read from the 30 June 2026 Call Report · United States · Southeast · Georgia, the state note

United Bank

Zebulon, Georgia · $2.16B in assets · beside the 6 other Georgia banks between $1B and $3B

The filing

50.3%
Loans / deposits
1st of 7
2.56%
ROA
1st of 7
+2.6%
Loans, year over year
7th of 7, largest first

United Bank is the third largest of the 7 Georgia banks between $1B and $3B, with $2.16B in assets at 30 June 2026. Loans are 50.3% of deposits, the lowest in the cohort against a median of 81.1%, and equity is 12.0% of assets, 2nd of 7. Loans grew +2.6% in the year, the slowest in the cohort, and deposits grew 0.3%; the cohort's median loan growth is +12.4%.

Noncurrent loans are 0.23% of the book, 3rd of 7 against a median of 0.55%; 0.49% is 30 to 89 days past due, and the allowance covers them 8.8 times. Commercial real estate is 38.2% of loans, 6th of 7 against a median of 35.1%, and 124% of capital, below the 300% screen, with construction at 69% against the 100% screen.

Return on assets is 2.56%, the highest in the cohort against a median of 1.57%, on an efficiency ratio of 46.3%, 2nd of 7. Five years ago it was 1.61%. The question this shape raises is what the liquidity earns, and what a rate path does to the securities book and the deposit base.

Loans as a share of depositsGA banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 81.1% UB United Bank 50.3% QN Queensborough National Bank & Trust Co. 68.3% PB Peoplessouth Bank 78.1% AP American Pride Bank 81.1% B Banksouth 91.0% TN Thomasville National Bank 99.3% PB Primesouth Bank 99.4%
Loans, year over yearGA banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +12.4% AP American Pride Bank +93.9% B Banksouth +16.2% PB Primesouth Bank +16.2% TN Thomasville National Bank +12.4% QN Queensborough National Bank & Trust Co. +10.4% PB Peoplessouth Bank +9.8% UB United Bank +2.6%

SBA 7(a), FY2008 to FY2026

United Bank is the 158th largest 7(a) lender into Georgia of 409, with $10M across 23 loans, 0.1% of everything approved in the state (Metro City Bank leads with $1.91B). 2 of its 12 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Georgia, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Fayette, GA$2M33rd of 900.6%+0.1 pts
Coweta, GA$2M25th of 671.3%thin
Spalding, GA$2M14th of 412.2%thin
Upson, GA$1M8th of 224.4%thin
Houston, GA$570K46th of 640.4%thin
Newton, GA$481K36th of 580.5%thin
Butts, GA$335K14th of 251.4%thin
Gwinnett, GA$325K153rd of 1690.0%quiet FY2013
Haralson, GA$318K20th of 270.8%thin
Bibb, GA$273K69th of 840.1%thin
Morgan, GA$229K22nd of 240.8%quiet FY2010
Monroe, GA$147K24th of 280.3%thin
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Retail trade5$3M35.4%0.01%883rd of 2,589
Accommodation & food services3$2M19.9%0.00%1259th of 2,596
Health care & social assistance4$1M12.2%0.00%1089th of 2,172
Other services2$640K6.6%0.00%1365th of 2,248
Construction1$570K5.8%0.00%1418th of 2,063
7(a) lenders into Georgia, share of approvals since FY2008409 lenders on record; the ten largest and United Bank
MC Metro City Bank 9.6% $1.91B · 1,541 loans LO Live Oak Banking Company 4.9% $963M · 746 loans TH The Huntington National Bank 4.2% $835M · 1,424 loans AB Ameris Bank 4.0% $792M · 980 loans SB Southstate Bank, National Associa… 3.3% $661M · 785 loans TB Truist Bank 3.3% $654M · 1,625 loans PB Pinnacle Bank 3.1% $618M · 592 loans RB Renasant Bank 3.0% $597M · 783 loans HB Hometrust Bank 2.6% $515M · 441 loans WF Wells Fargo Bank National Associa… 2.5% $500M · 2,514 loans UB United Bank 0.0% $10M · 23 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 2 CBLR filers; owner-occupied excluded; bold marks a screen met
United BankRankCohort median
Total CRE against capital, the 300% screen124%1st of 7235%
Construction against capital, the 100% screen69%3rd of 7100%
Construction and land development, share of loans21.2%7th of 714.9%
Non-owner-occupied nonfarm nonresidential, share of loans15.7%4th of 715.7%
Total CRE, the guidance definition, share of loans38.2%6th of 735.1%
CRE growth over 36 months, the third prong+0.8%2nd of 7+24.0%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Queensborough National Bank & Trust Co.$2.28B1.1%65.3%0.59%0.04%1.0%68.3%7.9%
Thomasville National Bank$2.18B2.5%38.3%0.22%0.01%2.1%99.3%10.4%
United Bank$2.16B2.6%46.3%0.23%0.00%2.0%50.3%12.0%
Primesouth Bank$1.60B1.9%47.0%1.48%0.03%1.4%99.4%10.9%
Banksouth$1.59B1.6%69.7%0.55%-0.01%1.4%91.0%10.4%
Peoplessouth Bank$1.21B1.5%50.9%1.02%0.01%1.3%78.1%6.5%
American Pride Bank$1.03B0.5%76.7%0.00%0.01%1.0%81.1%12.1%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
United BankCohort median
20212026Change20212026Change
Loans$730M$946M+30%$730M$1.24B+70%
Deposits$1.90B$1.88B-1%$932M$1.36B+46%
NPA / loans0.91%0.23%-0.68 pts0.43%0.55%+0.12 pts
Efficiency57.7%46.3%-11.4 pts60.1%50.9%-9.1 pts
ROA1.61%2.56%+0.95 pts1.34%1.57%+0.22 pts

This read was prepared for United Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on United Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort GA banks $1B to $3B
Institution www.accessunited.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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