Research terminalQ2 2026 · 4,313 institutions · refreshed 8/27/2026 · catalog mismatch

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Q2 2026 · 4,313 institutions · refreshed 8/27/2026

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OptimaYield board tearsheet · reported facts

UNITED BANK

FDIC #172 · GA · period 20260630

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Total assets1,190,801-8.09% YoY

Total deposits1,062,310-8.69% YoY

Net loans and leases581,443-7.59% YoY

Return on assets1.68%-7.01% YoY

Return on equity16.00%-11.70% YoY

Net interest margin3.63%+0.47% YoY

Peer position

Return on assets96thstrength · n=902

Return on equity94thstrength · n=894

Net interest margin94thstrength · n=902

Equity to assets76thstrength · n=894

Noncurrent loans76thstrength · n=887

Liquid assets97thstrength · n=895

Brokered deposits100thstrength · n=890

Loans to deposits96thstrength · n=890

Ten-year reported history

Period	Assets	Deposits	Loans	ROA	ROE	NIM
2016-03-31	1,190,801	1,062,310	581,443	1.68	16.00	3.63
2016-06-30	1,187,650	1,057,312	597,502	1.78	16.92	3.68
2016-09-30	1,246,928	1,111,040	624,130	1.89	17.91	3.69
2016-12-31	1,246,496	1,117,296	628,505	1.83	17.59	3.72
2017-03-31	1,295,604	1,163,414	629,214	1.80	18.12	3.61
2017-06-30	1,308,058	1,172,088	637,215	1.87	18.75	3.62
2017-09-30	1,315,286	1,175,770	637,028	1.93	19.18	3.64
2017-12-31	1,329,440	1,203,430	632,732	1.96	19.90	3.66
2018-03-31	1,346,576	1,220,959	635,049	2.03	22.45	3.69
2018-06-30	1,337,686	1,204,273	641,355	2.10	22.83	3.74
2018-09-30	1,360,350	1,221,379	638,258	2.18	23.31	3.78
2018-12-31	1,389,578	1,253,092	632,399	2.18	23.35	3.81
2019-03-31	1,413,616	1,265,247	644,571	2.41	24.73	3.91
2019-06-30	1,430,678	1,267,584	673,784	2.45	24.04	3.97
2019-09-30	1,459,036	1,294,854	694,971	2.50	24.17	3.95
2019-12-31	1,510,787	1,352,168	697,886	2.39	23.25	3.89
2020-03-31	1,512,804	1,348,680	684,879	2.36	22.88	3.62
2020-06-30	1,761,345	1,578,491	796,050	2.28	22.32	3.73
2020-09-30	1,786,724	1,593,680	790,141	2.22	21.58	3.47
2020-12-31	1,931,825	1,753,795	769,518	2.09	20.94	3.27
2021-03-31	2,048,133	1,866,430	734,805	1.71	19.48	2.43
2021-06-30	2,086,448	1,895,109	715,038	1.66	18.84	2.45
2021-09-30	2,168,014	1,967,105	722,630	1.65	18.71	2.46
2021-12-31	2,281,919	2,098,316	710,175	1.64	19.02	2.41
2022-03-31	2,367,631	2,189,603	717,892	1.48	19.82	2.14
2022-06-30	2,396,209	2,221,943	715,141	1.36	18.73	2.37
2022-09-30	2,379,798	2,202,576	740,614	1.57	21.75	2.76
2022-12-31	2,419,852	2,231,831	775,464	1.79	24.87	3.14
2023-03-31	2,282,158	2,071,750	812,301	2.81	36.27	4.72
2023-06-30	2,241,492	2,027,539	838,872	2.78	34.16	4.84
2023-09-30	2,158,409	1,953,876	844,424	2.87	34.67	4.99
2023-12-31	2,231,281	1,998,461	854,116	2.79	32.56	5.05
2024-03-31	2,146,581	1,898,426	838,984	2.88	28.30	5.25
2024-06-30	2,120,294	1,879,115	853,578	2.85	27.56	5.32
2024-09-30	2,100,438	1,829,411	865,144	2.72	25.36	5.38
2024-12-31	2,223,345	1,958,565	885,221	2.73	25.32	5.33
2025-03-31	2,151,530	1,863,056	909,935	2.83	24.21	5.11
2025-06-30	2,150,164	1,877,332	904,562	2.72	23.21	5.25
2025-09-30	2,185,994	1,892,129	920,919	2.69	22.58	5.25
2025-12-31	2,331,428	2,070,938	912,782	2.66	23.00	5.18
2026-03-31	2,216,638	1,946,159	916,351	2.59	24.20	4.85
2026-06-30	2,159,044	1,882,152	927,343	2.50	22.42	4.95

Structure and branch footprint

17 current branch locations across 1 states as of 2026-08-22. This is an annual branch-location count, not deposit market share.

Date	Code	Predecessor RSSD	Successor RSSD
2016-08-20	50	34836	37435
2014-08-01	1	78036	37435
2010-10-23	50	1009831	37435
2009-08-22	50	3279450	37435
2008-12-06	50	2508126	37435
1997-01-01	1	815370	37435
1997-01-01	1	1010033	37435

Reviewed intelligence

No reviewed or published intelligence is linked to this institution.

Scope and limitations

Financial facts are scoped to the FDIC-insured bank. NIC transformations use the linked RSSD identity; SEC issuer and bank-holding-company facts are not silently combined. Branch data follows its annual source cadence. Intelligence appears only after review or publication.