🏦Bank Scorer

UNITED BANK

ZEBULON, GA · Supervised by FDIC

Est. 1905FDIC #172RSSD: FDIC-172
Part ofUNITED BK EMPLOYEE STK OWNERSHIP PLAN TR→ View all charters
Satisfactory Same

Current rating · Exam: April 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 2.59%

Institution Profile

FDIC BankFind

Address

685 Griffin St, ZEBULON, GA

County

Pike County

Established

January 31, 1905

Total Assets

$2.2B(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

Satisfactory

Meets federal requirements for community lending

Exam Date

April 1, 2025

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Apr 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$2.2B

Total Deposits

$1.9B

Net Loans

$916M

Net Income

$15M

ROA

2.59%

ROE

24.20%

Risk-Based Capital

24.74%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

18

Branch Deposits

$1.9B

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

11 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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