United Bank
Zebulon, GA
IDRSSD: 37435
Total Assets
$2.33B
Latest filing
Total Deposits
$2.07B
Latest filing
Net Interest Margin
5.06%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
061107515ZEBULON, GA
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
United Bank
685 Griffin St
Zebulon, GA 30295
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/31/1905FDIC Certificate 137
Branches (17)
Page 1 of 3| Name | Address | City / State |
|---|---|---|
| United Bank (Main) | 685 Griffin St | Zebulon, GA |
| MONROE COUNTY BANK BRANCH | 1 E Main St | Forsyth, GA |
| THOMASTON MAIN BRANCH | 215 N Center St | Thomaston, GA |
| 308 THOMASTON STREET BRANCH | 308 Thomaston St | Barnesville, GA |
| WILLIAMSON BRANCH | 435 W Williamson Rd | Williamson, GA |
| INGLES BRANCH | 625 Veterans Pkwy | Barnesville, GA |
| NORTHSIDE BRANCH | 1500 W Mcintosh Rd | Griffin, GA |
| THOMASTON 19 NORTH | 1111 Highway 19 N | Thomaston, GA |
Showing 7 of 17
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/31/1905 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 30295 |
| State and County Number | 13231 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 06 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Atlanta-Sandy Springs-Alpharetta, GA |
Operational Info
| Number of Employees | 405 |
| Domestic Offices | 18 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.accessunited.com |
| Data Updated | 01/30/2026 |
| CERT | 172 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $2.33B |
| Total Deposits | $2.07B |
| Total Liabilities | $2.09B |
| Total Equity Capital | $238.32M |
| Net Income | $14.77M |
| Net Loans and Leases | $912.78M |
| Assets Per Employee ($Millions) | $5.6M |
| Bank Premises and Fixed Assets | $20.77M |
| Cash and Balances due from Depository Institutions | $674.64M |
| Deposits Held in Domestic Offices | $2.07B |
Key Performance Ratios
| Return on Assets (ROA) | 2.62% |
| Return on Equity (ROE) | 23.13% |
| Net Interest Margin | 5.06% |
| Efficiency Ratio | 42.21% |
| Tier 1 Risk-Based Capital Ratio | 22.896% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.22% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.222% |
| Earning Assets to total Assets | 94.93% |
Income and Expense
| Total Interest Income | $29.90M |
| Total Noninterest Income | $8.39M |
| Total Interest Expense | $2.83M |
| Total Noninterest Expense | $14.97M |
| Net Interest Income | $27.07M |
| Pre-tax Net Operating Income | $19.27M |
| Provision for Credit Losses | $1.22M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $36.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $22.17M |
| Total Liabilities and Capital | $2.33B |
Securities
| Securities | $689.88M |
| Available-for-sale debt securities | $638.79M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $51.10M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of United Bank?
$2.33B as of the latest filing.
How much are United Bank's total deposits?
$2.07B in total deposits.
Where is United Bank located?
Zebulon, GA.
What is the Net Interest Margin?
5.06%.
How many domestic offices does it operate?
18.
When was it established?
01/31/1905.
What is the Return on Assets (ROA)?
2.62%.
How much are total loans and leases?
$912.78M (latest filing).
What is the total interest income (latest filing)?
$29.90M.