United Bank
Zebulon, GA
IDRSSD: 37435
Total Assets
$2.19B
Latest filing
Total Deposits
$1.89B
Latest filing
Net Interest Margin
5.29%
Profitability
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 11/14/2025Established 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
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
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 | 415 |
| 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 | 11/14/2025 |
| CERT | 172 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $2.19B |
| Total Deposits | $1.89B |
| Total Liabilities | $1.91B |
| Total Equity Capital | $272.64M |
| Net Income | $14.35M |
| Net Loans and Leases | $920.92M |
| Assets Per Employee ($Millions) | $5.4M |
| Bank Premises and Fixed Assets | $20.79M |
| Cash and Balances due from Depository Institutions | $547.87M |
| Deposits Held in Domestic Offices | $1.89B |
Key Performance Ratios
| Return on Assets (ROA) | 2.65% |
| Return on Equity (ROE) | 21.81% |
| Net Interest Margin | 5.29% |
| Efficiency Ratio | 43.77% |
| Tier 1 Risk-Based Capital Ratio | 25.873% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.23% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 12.472% |
| Earning Assets to total Assets | 94.59% |
Income and Expense
| Total Interest Income | $29.82M |
| Total Noninterest Income | $7.86M |
| Total Interest Expense | $2.71M |
| Total Noninterest Expense | $15.31M |
| Net Interest Income | $27.12M |
| Pre-tax Net Operating Income | $18.45M |
| Provision for Credit Losses | $1.22M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $21.22M |
| Total Liabilities and Capital | $2.19B |
Securities
| Securities | $662.45M |
| Available-for-sale debt securities | $610.98M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $51.47M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of United Bank?
$2.19B as of the latest filing.
How much are United Bank's total deposits?
$1.89B in total deposits.
Where is United Bank located?
Zebulon, GA.
What is the Net Interest Margin?
5.29%.
How many domestic offices does it operate?
18.
When was it established?
01/31/1905.
What is the Return on Assets (ROA)?
2.65%.
How much are total loans and leases?
$920.92M (latest filing).
What is the total interest income (latest filing)?
$29.82M.