BlastPoint's Banking Scorecard
United Bank
Community
Specialty: Other
GA
FDIC cert 172
Zebulon, GA
1484
banks in Community tier nationally
36 in GA
View Community leaderboard (GA) →
United Bank has 5 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 12% in Community
- + Deposit Franchise: Top 13% in Community
- + Return on Assets 1.49% above tier
- + Efficiency Ratio 19.68% below tier
- + Tier 1 Capital Ratio 12.65% above tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 38.99% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.3B
+4.9% YoY
+6.7% QoQ
|
+$940.0M |
$1.4B
+2.0% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
84% |
| Total Loans ? |
$912.8M
+3.1% YoY
-0.9% QoQ
|
-$62.7M |
$975.5M
+2.4% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
64% |
| Total Deposits ? |
$2.1B
+5.7% YoY
+9.5% QoQ
|
+$906.3M |
$1.2B
+1.7% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
Top 14% in tier |
| Return on Assets ? |
2.66%
-2.8% YoY
-1.2% QoQ
|
+1.49% |
1.16%
+17.2% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Top 2% in tier |
| Net Interest Margin ? |
5.18%
-2.8% YoY
-1.4% QoQ
|
+1.51% |
3.66%
+9.1% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
Top 4% in tier |
| Efficiency Ratio ? |
42.95%
+0.0% YoY
-0.6% QoQ
|
-19.68% |
62.63%
-5.3% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
Top 7% in tier |
| Delinquency Rate ? |
0.28%
-53.3% YoY
-49.8% QoQ
|
-0.35% |
0.63%
+18.3% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
63% |
| Loan-to-Deposit Ratio ? |
44.08%
-2.5% YoY
-9.4% QoQ
|
-38.99% |
83.06%
+0.3% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
Bottom 2% in tier |
| Non-Interest-Bearing Deposit Share ? |
35.75%
-10.2% YoY
-10.3% QoQ
|
+14.70% |
21.05%
-0.9% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
Top 8% in tier |
| Nonperforming Asset Ratio ? |
0.11%
-53.4% YoY
-52.7% QoQ
|
-0.39% |
0.50%
+20.3% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
76% |
| Tier 1 Capital Ratio ? |
22.90%
-8.8% YoY
-11.5% QoQ
|
+12.65% |
10.24%
-0.6% YoY
|
12.12%
+2.1% YoY
|
9.75%
-1.9% YoY
|
Top 4% in tier |
| Non-Interest Income / Assets ? |
1.36%
-4.0% YoY
+27.5% QoQ
|
+0.62% |
0.74%
-1.3% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
Top 8% in tier |
Signature Analysis
Strengths (5)
Revenue Diversifier
growth
#47 of 371 · Top 12% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.36%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
2.66%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
Deposit Franchise
growth
#20 of 150 · Top 13% in Community
Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Why this signature
Noninterest-Bearing Deposit Share:
35.75%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
5.18%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
|
QoQ rank declining
Return on Assets
metric
Top 2%
in Community
Why this stands out
Current:
2.66%
(Tier avg: 1.16%, National avg: 1.12%)
Efficiency Ratio
metric
Top 7%
in Community
Why this stands out
Current:
42.95%
(Tier avg: 62.63%, National avg: 65.09%)
Tier 1 Capital Ratio
metric
Top 4%
in Community
Why this stands out
Current:
22.90%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 2%
in Community
Why this stands out
Current:
44.08%
(Tier avg: 83.06%, National avg: 78.04%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
98
98th pctile
Return on Assets
Current: 2.66% · Tier avg: 1.16%
96
96th pctile
Tier 1 Capital Ratio
Current: 22.90% · Tier avg: 10.24%
96
96th pctile
Net Interest Margin
Current: 5.18% · Tier avg: 3.66%
93
93th pctile
Efficiency Ratio
Current: 42.95% · Tier avg: 62.63%
92
92th pctile
Non-Interest-Bearing Deposit Share
Current: 35.75% · Tier avg: 21.05%
92
92th pctile
Non-Interest Income / Assets
Current: 1.36% · Tier avg: 0.74%
86
86th pctile
Total Deposits
Current: $2.1B · Tier avg: $1.2B
84
84th pctile
Total Assets
Current: $2.3B · Tier avg: $1.4B
76
76th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.50%
64
64th pctile
Total Loans
Current: $912.8M · Tier avg: $975.5M
63
63th pctile
Delinquency Rate
Current: 0.28% · Tier avg: 0.63%
2
2th pctile
Loan-to-Deposit Ratio
Current: 44.08% · Tier avg: 83.06%
Top Weaknesses
2
2th pctile
Loan-to-Deposit Ratio
Current: 44.08% · Tier avg: 83.06%
63
63th pctile
Delinquency Rate
Current: 0.28% · Tier avg: 0.63%
64
64th pctile
Total Loans
Current: $912.8M · Tier avg: $975.5M
76
76th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.50%
84
84th pctile
Total Assets
Current: $2.3B · Tier avg: $1.4B
86
86th pctile
Total Deposits
Current: $2.1B · Tier avg: $1.2B
92
92th pctile
Non-Interest Income / Assets
Current: 1.36% · Tier avg: 0.74%
92
92th pctile
Non-Interest-Bearing Deposit Share
Current: 35.75% · Tier avg: 21.05%
93
93th pctile
Efficiency Ratio
Current: 42.95% · Tier avg: 62.63%
96
96th pctile
Net Interest Margin
Current: 5.18% · Tier avg: 3.66%
96
96th pctile
Tier 1 Capital Ratio
Current: 22.90% · Tier avg: 10.24%
98
98th pctile
Return on Assets
Current: 2.66% · Tier avg: 1.16%