BlastPoint's Banking Scorecard
United Bank
Community
Specialty: Commercial
AL
FDIC cert 58
Atmore, AL
1484
banks in Community tier nationally
26 in AL
View Community leaderboard (AL) →
United Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 15% in Community
- + Tier 1 Capital Ratio 10.50% above tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 13% in Community
- - Credit Risk Growth: Bottom 15% in Community
- - Liquidity Overhang: Bottom 46% in Community
- - Cost Spiral: Bottom 64% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.4B
+3.7% YoY
+1.8% QoQ
|
+$54.7M |
$1.4B
+2.0% YoY
|
$2.4B
+1.3% YoY
|
$5.9B
+6.5% YoY
|
68% |
| Total Loans ? |
$882.5M
+2.5% YoY
-1.2% QoQ
|
-$93.0M |
$975.5M
+2.4% YoY
|
$1.5B
-0.1% YoY
|
$3.1B
+8.5% YoY
|
63% |
| Total Deposits ? |
$1.2B
+2.3% YoY
+1.5% QoQ
|
+$30.1M |
$1.2B
+1.7% YoY
|
$2.0B
+1.3% YoY
|
$4.7B
+6.3% YoY
|
67% |
| Return on Assets ? |
1.32%
-25.7% YoY
-2.2% QoQ
|
+0.16% |
1.16%
+17.2% YoY
|
1.11%
+4.4% YoY
|
1.12%
+15.6% YoY
|
64% |
| Net Interest Margin ? |
4.66%
+1.0% YoY
-0.3% QoQ
|
+1.00% |
3.66%
+9.1% YoY
|
3.94%
+3.2% YoY
|
3.75%
+7.1% YoY
|
Top 10% in tier |
| Efficiency Ratio ? |
60.63%
+17.8% YoY
+3.2% QoQ
|
-2.00% |
62.63%
-5.3% YoY
|
64.78%
-3.4% YoY
|
65.09%
-5.1% YoY
|
54% |
| Delinquency Rate ? |
1.79%
+13.9% YoY
+99.4% QoQ
|
+1.16% |
0.63%
+18.3% YoY
|
0.66%
-12.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 12% in tier |
| Loan-to-Deposit Ratio ? |
73.86%
+0.2% YoY
-2.6% QoQ
|
-9.20% |
83.06%
+0.3% YoY
|
68.23%
+2.7% YoY
|
78.04%
+0.7% YoY
|
74% |
| Non-Interest-Bearing Deposit Share ? |
43.97%
-6.9% YoY
-0.6% QoQ
|
+22.93% |
21.05%
-0.9% YoY
|
24.36%
+3.3% YoY
|
21.79%
-1.3% YoY
|
Top 3% in tier |
| Nonperforming Asset Ratio ? |
1.18%
+0.5% YoY
+79.8% QoQ
|
+0.68% |
0.50%
+20.3% YoY
|
0.53%
+14.0% YoY
|
0.48%
+20.8% YoY
|
16% |
| Tier 1 Capital Ratio ? |
20.74%
+3.3% YoY
+2.1% QoQ
|
+10.50% |
10.24%
-0.6% YoY
|
6.46%
-12.3% YoY
|
9.75%
-1.9% YoY
|
Top 6% in tier |
| Non-Interest Income / Assets ? |
0.74%
-52.6% YoY
+29.9% QoQ
|
0 |
0.74%
-1.3% YoY
|
0.77%
+11.5% YoY
|
0.65%
+0.6% YoY
|
73% |
Signature Analysis
Strengths (2)
Deposit Franchise
growth
#23 of 150 · Top 15% 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:
43.97%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
4.66%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
|
QoQ rank improving
Tier 1 Capital Ratio
metric
Top 6%
in Community
Why this stands out
Current:
20.74%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (4)
Margin Compression
decline
#16 of 120 · Bottom 13% in Community
Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Why this signature
Return on Assets:
1.32%
(Tier: 1.16%, National: 1.12%)
120 of 120 Community banks match
·
147 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Credit Risk Growth
risk
#98 of 642 · Bottom 15% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
Liquidity Overhang
risk
#123 of 268 · Bottom 46% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
20.74%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
73.86%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Cost Spiral
risk
#26 of 40 · Bottom 64% in Community
Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Why this signature
Efficiency Ratio:
60.63%
(Tier: 62.63%, National: 65.09%)
40 of 40 Community banks match
·
50 nationally
↓ Shrinking
-10 banks QoQ
|
QoQ rank declining
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
97
97th pctile
Non-Interest-Bearing Deposit Share
Current: 43.97% · Tier avg: 21.05%
94
94th pctile
Tier 1 Capital Ratio
Current: 20.74% · Tier avg: 10.24%
90
90th pctile
Net Interest Margin
Current: 4.66% · Tier avg: 3.66%
74
74th pctile
Loan-to-Deposit Ratio
Current: 73.86% · Tier avg: 83.06%
73
73th pctile
Non-Interest Income / Assets
Current: 0.74% · Tier avg: 0.74%
68
68th pctile
Total Assets
Current: $1.4B · Tier avg: $1.4B
67
67th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
64
64th pctile
Return on Assets
Current: 1.32% · Tier avg: 1.16%
63
63th pctile
Total Loans
Current: $882.5M · Tier avg: $975.5M
54
54th pctile
Efficiency Ratio
Current: 60.63% · Tier avg: 62.63%
16
16th pctile
Nonperforming Asset Ratio
Current: 1.18% · Tier avg: 0.50%
12
12th pctile
Delinquency Rate
Current: 1.79% · Tier avg: 0.63%
Top Weaknesses
12
12th pctile
Delinquency Rate
Current: 1.79% · Tier avg: 0.63%
16
16th pctile
Nonperforming Asset Ratio
Current: 1.18% · Tier avg: 0.50%
54
54th pctile
Efficiency Ratio
Current: 60.63% · Tier avg: 62.63%
63
63th pctile
Total Loans
Current: $882.5M · Tier avg: $975.5M
64
64th pctile
Return on Assets
Current: 1.32% · Tier avg: 1.16%
67
67th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
68
68th pctile
Total Assets
Current: $1.4B · Tier avg: $1.4B
73
73th pctile
Non-Interest Income / Assets
Current: 0.74% · Tier avg: 0.74%
74
74th pctile
Loan-to-Deposit Ratio
Current: 73.86% · Tier avg: 83.06%
90
90th pctile
Net Interest Margin
Current: 4.66% · Tier avg: 3.66%
94
94th pctile
Tier 1 Capital Ratio
Current: 20.74% · Tier avg: 10.24%
97
97th pctile
Non-Interest-Bearing Deposit Share
Current: 43.97% · Tier avg: 21.05%