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

Get started

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

All banksProfile view

OptimaYield board tearsheet · reported facts

UNITED BANK

FDIC #22858 · VA · period 20260630

Download full PDF Download full Excel Download compact PDF Download compact Excel Return to profile

Total assets7,323,390-18.66% YoY

Total deposits4,911,779-20.51% YoY

Net loans and leases4,863,243-9.86% YoY

Return on assets1.20%+17.30% YoY

Return on equity6.61%+24.02% YoY

Net interest margin3.61%+10.89% YoY

Peer position

Return on assets71ststrength · n=112

Return on equity37thin line · n=108

Net interest margin67thin line · n=112

Equity to assets95thstrength · n=108

Noncurrent loans77thstrength · n=106

Liquid assets20thopportunity · n=108

Brokered deposits63rdin line · n=107

Loans to deposits31stin line · n=107

Ten-year reported history

Period	Assets	Deposits	Loans	ROA	ROE	NIM
2016-03-31	7,323,390	4,911,779	4,863,243	1.20	6.61	3.61
2016-06-30	8,841,203	5,931,489	5,464,094	1.10	5.99	3.51
2016-09-30	8,868,888	5,981,032	5,424,629	1.14	6.24	3.53
2016-12-31	9,017,236	6,158,368	5,358,752	1.12	6.07	3.55
2017-03-31	9,003,640	6,178,932	5,395,233	1.03	5.33	3.26
2017-06-30	13,309,359	9,168,084	8,751,132	1.09	5.51	3.50
2017-09-30	13,172,475	9,017,428	8,544,494	1.20	5.98	3.71
2017-12-31	19,041,801	13,923,793	13,200,749	0.94	5.47	3.62
2018-03-31	18,609,898	13,752,021	13,101,678	1.36	7.45	3.59
2018-06-30	19,197,626	13,913,511	13,724,688	1.39	7.63	3.63
2018-09-30	19,175,147	14,175,523	13,433,995	1.40	7.73	3.64
2018-12-31	19,247,276	14,062,911	13,595,365	1.40	7.72	3.62
2019-03-31	19,638,963	14,242,933	13,741,580	1.36	7.56	3.48
2019-06-30	19,865,811	14,493,835	13,929,459	1.39	7.75	3.53
2019-09-30	19,734,513	14,199,999	13,968,523	1.38	7.70	3.48
2019-12-31	19,644,548	13,979,755	14,022,586	1.37	7.65	3.45
2020-03-31	20,352,651	14,150,684	14,204,149	0.86	4.93	3.32
2020-06-30	26,209,296	20,017,645	18,403,265	0.94	5.47	3.30
2020-09-30	25,903,640	20,408,783	18,516,503	1.22	7.09	3.35
2020-12-31	26,152,624	20,743,628	18,074,520	1.30	7.56	3.38
2021-03-31	26,992,697	21,586,448	17,942,443	1.58	9.42	3.31
2021-06-30	27,158,306	21,793,536	17,247,283	1.49	8.94	3.25
2021-09-30	27,479,148	22,081,923	17,026,037	1.46	8.75	3.18
2021-12-31	29,289,723	23,614,037	18,312,048	1.35	8.17	3.12
2022-03-31	29,334,263	23,730,905	18,517,532	1.14	7.05	3.01
2022-06-30	28,735,887	23,246,717	18,977,355	1.23	7.66	3.22
2022-09-30	29,002,351	23,100,515	19,690,544	1.30	8.17	3.43
2022-12-31	29,430,409	22,557,697	20,380,299	1.34	8.43	3.56
2023-03-31	30,108,080	22,523,395	20,439,844	1.38	8.92	3.67
2023-06-30	29,633,598	22,618,814	20,604,866	1.35	8.62	3.62
2023-09-30	29,155,846	22,925,658	20,902,611	1.36	8.62	3.63
2023-12-31	29,851,399	23,062,318	21,156,108	1.31	8.28	3.62
2024-03-31	29,939,262	23,156,081	21,301,597	1.24	7.65	3.47
2024-06-30	29,868,220	23,305,317	21,397,779	1.31	8.09	3.49
2024-09-30	29,769,221	24,070,496	21,397,694	1.33	8.14	3.53
2024-12-31	29,924,656	24,213,089	21,446,009	1.34	8.15	3.55
2025-03-31	32,690,848	26,592,282	23,581,290	1.18	7.11	3.84
2025-06-30	32,679,829	26,549,454	23,779,313	1.39	8.38	3.89
2025-09-30	33,293,363	27,081,899	24,243,882	1.45	8.76	3.90
2025-12-31	33,545,963	27,249,096	24,442,881	1.50	9.02	3.91
2026-03-31	33,609,082	27,304,038	24,592,774	1.50	9.02	3.85
2026-06-30	33,638,881	27,338,472	24,730,244	1.56	9.36	3.87

Structure and branch footprint

237 current branch locations across 9 states as of 2026-08-22. This is an annual branch-location count, not deposit market share.

Date	Code	Predecessor RSSD	Successor RSSD
2025-01-11	1	3489035	365325
2021-12-04	1	781028	365325
2020-05-02	1	3013823	365325
2017-11-11	1	1010930	365325
2017-04-22	1	2683014	365325
2016-06-04	1	3329702	365325
2014-02-01	1	1190074	365325
2007-07-14	1	1229228	365325
2007-07-14	1	1495331	365325
2003-10-11	1	562870	365325
2001-12-08	1	653723	365325
1998-04-18	1	1162101	365325
1997-06-07	1	735928	365325
1992-09-19	50	392929	365325

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.