BlastPoint's Banking Scorecard

United Bank

Large Specialty: Commercial VA FDIC cert 22858

Fairfax, VA

69 banks in Large tier nationally 3 in VA

View Large leaderboard (VA) →

United Bank has 1 strength but faces 1 concern

Key Strengths

Areas where this bank excels compared to peers

+ Credit Quality Leader: Top 12% in Large

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 12% in Large

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Total Assets ?	$33.5B +12.1% YoY +0.8% QoQ	-$41.3B	$74.9B -4.4% YoY	$17.5B +24.6% YoY	$5.9B +6.5% YoY	29%
Total Loans ?	$24.4B +14.0% YoY +0.8% QoQ	-$22.0B	$46.4B -2.1% YoY	$10.7B +28.4% YoY	$3.1B +8.5% YoY	41%
Total Deposits ?	$27.2B +12.5% YoY +0.6% QoQ	-$33.2B	$60.5B -4.5% YoY	$13.8B +21.4% YoY	$4.7B +6.3% YoY	32%
Return on Assets ?	1.50% +11.8% YoY +3.1% QoQ	+0.31%	1.19% +17.8% YoY	0.94% +24.9% YoY	1.12% +15.6% YoY	83%
Net Interest Margin ?	3.91% +10.4% YoY +0.4% QoQ	+0.45%	3.46% +13.1% YoY	3.66% +9.0% YoY	3.75% +7.1% YoY	77%
Efficiency Ratio ?	45.99% -8.4% YoY -1.2% QoQ	-9.04%	55.03% -2.8% YoY	66.70% -6.7% YoY	65.09% -5.1% YoY	84%
Delinquency Rate ?	0.42% +21.3% YoY -13.9% QoQ	-0.46%	0.88% -0.3% YoY	0.75% +37.7% YoY	0.66% +20.3% YoY	81%
Loan-to-Deposit Ratio ?	89.70% +1.3% YoY +0.2% QoQ	+7.98%	81.72% +3.9% YoY	79.98% +0.8% YoY	78.04% +0.7% YoY	25%
Non-Interest-Bearing Deposit Share ?	24.15% -4.9% YoY -0.9% QoQ	+4.17%	19.97% +0.5% YoY	24.23% +0.2% YoY	21.79% -1.3% YoY	53%
Nonperforming Asset Ratio ?	0.33% +33.5% YoY -11.5% QoQ	-0.22%	0.55% +9.0% YoY	0.53% +39.4% YoY	0.48% +20.8% YoY	74%
Tier 1 Capital Ratio ?	13.75% -3.6% YoY +0.7% QoQ	+0.42%	13.33% -0.7% YoY	11.48% +7.9% YoY	9.75% -1.9% YoY	68%
Non-Interest Income / Assets ?	0.36% -14.5% YoY +32.3% QoQ	-0.72%	1.09% +2.4% YoY	0.64% -0.2% YoY	0.65% +0.6% YoY	16%

Signature Analysis

Strengths (1)

Credit Quality Leader

growth

#3 of 18 · Top 12% in Large

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.42%

(Tier: 0.88%, National: 0.66%)

better than tier avg

18 of 18 Large banks match · 443 nationally

→ Stable +6 banks QoQ

Concerns (1)

Credit Quality Pressure

risk

#5 of 35 · Bottom 12% in Large

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.42%

(Tier: 0.88%, National: 0.66%)

better than tier avg

35 of 35 Large banks match · 961 nationally

→ Stable +22 banks QoQ | QoQ rank improving

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%

Compare against:

Comparing against 69 peers in Large tier

Top Strengths

Efficiency Ratio

Current: 45.99% · Tier avg: 55.03%

84th pctile

Return on Assets

Current: 1.50% · Tier avg: 1.19%

83th pctile

Delinquency Rate

Current: 0.42% · Tier avg: 0.88%

81th pctile

Net Interest Margin

Current: 3.91% · Tier avg: 3.46%

77th pctile

Nonperforming Asset Ratio

Current: 0.33% · Tier avg: 0.55%

74th pctile

Tier 1 Capital Ratio

Current: 13.75% · Tier avg: 13.33%

68th pctile

Non-Interest-Bearing Deposit Share

Current: 24.15% · Tier avg: 19.97%

53th pctile

Total Loans

Current: $24.4B · Tier avg: $46.4B

41th pctile

Total Deposits

Current: $27.2B · Tier avg: $60.5B

32th pctile

Total Assets

Current: $33.5B · Tier avg: $74.9B

29th pctile

Loan-to-Deposit Ratio

Current: 89.70% · Tier avg: 81.72%

25th pctile

Non-Interest Income / Assets

Current: 0.36% · Tier avg: 1.09%

16th pctile

Top Weaknesses