United Bank
Atmore, AL
IDRSSD: 994435
Total Assets
$1.42B
Latest filing
Total Deposits
$1.18B
Latest filing
Net Interest Margin
4.69%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
United Bank
200 E Nashville Ave
Atmore, AL 36502
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/04/1904FDIC Certificate 39
Branches (19)
Page 1 of 3| Name | Address | City / State |
|---|---|---|
| United Bank (Main) | 200 E Nashville Ave | Atmore, AL |
| CAMDEN BRANCH | 118 Broad St | Camden, AL |
| FLOMATON BRANCH | 705 Sidney E Manning Blvd | Flomaton, AL |
| MCKENZIE BRANCH | 516 S Mckenzie St | Foley, AL |
| LILLIAN BRANCH | 34354 Us Highway 98 | Lillian, AL |
| BAY MINETTE BRANCH | 404 Courthouse Sq | Bay Minette, AL |
| MONROEVILLE BRANCH | 1588 S Alabama Ave | Monroeville, AL |
| BROAD STREET BRANCH | 21950 Broad Street | Silverhill, AL |
Showing 7 of 19
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 | 01/04/1904 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 36502 |
| State and County Number | 01053 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| 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 | Atmore, AL |
Operational Info
| Number of Employees | 247 |
| Domestic Offices | 20 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 09/30/2024 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | http://www.unitedbank.com |
| Data Updated | 11/14/2025 |
| CERT | 58 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.42B |
| Total Deposits | $1.18B |
| Total Liabilities | $1.21B |
| Total Equity Capital | $207.31M |
| Net Income | $4.52M |
| Net Loans and Leases | $893.10M |
| Assets Per Employee ($Millions) | $5.62M |
| Bank Premises and Fixed Assets | $16.50M |
| Cash and Balances due from Depository Institutions | $150.84M |
| Deposits Held in Domestic Offices | $1.18B |
Key Performance Ratios
| Return on Assets (ROA) | 1.27% |
| Return on Equity (ROE) | 8.87% |
| Net Interest Margin | 4.69% |
| Efficiency Ratio | 63.41% |
| Tier 1 Risk-Based Capital Ratio | 20.319% |
| 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 | 14.588% |
| Earning Assets to total Assets | 91.73% |
Income and Expense
| Total Interest Income | $19.50M |
| Total Noninterest Income | $2.61M |
| Total Interest Expense | $4.24M |
| Total Noninterest Expense | $11.35M |
| Net Interest Income | $15.27M |
| Pre-tax Net Operating Income | $5.75M |
| Provision for Credit Losses | $775.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $1.31M |
| Other borrowed funds | $28.01M |
| Federal Funds Sold & Reverse Repurchase Agreement | $8.28M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $8.36M |
| Total Liabilities and Capital | $1.42B |
Securities
| Securities | $290.53M |
| Available-for-sale debt securities | $287.63M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $2.90M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of United Bank?
$1.42B as of the latest filing.
How much are United Bank's total deposits?
$1.18B in total deposits.
Where is United Bank located?
Atmore, AL.
What is the Net Interest Margin?
4.69%.
How many domestic offices does it operate?
20.
When was it established?
01/04/1904.
What is the Return on Assets (ROA)?
1.27%.
How much are total loans and leases?
$893.10M (latest filing).
What is the total interest income (latest filing)?
$19.50M.