🏦Bank Scorer

UNITED BANK

ATMORE, AL · Supervised by FDIC

Est. 1904FDIC #58RSSD: FDIC-58
Part ofUNITED BCORP OF ALABAMA INC→ View all charters
Outstanding Same

Current rating · Exam: November 2023

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 1.13%

Institution Profile

FDIC BankFind

Address

200 E Nashville Ave, ATMORE, AL

County

Escambia County

Established

January 4, 1904

Total Assets

$1.5B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

November 1, 2023

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Nov 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.5B

Total Deposits

$1.2B

Net Loans

$892M

Net Income

$4M

ROA

1.13%

ROE

7.62%

Risk-Based Capital

22.06%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

19

Branch Deposits

$1.2B

1-Year Change

+1

5-year net change: -2 branches

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

10 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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