$33.6B
+2.8%y/y
Percentile by value58th percentileby value
FDIC
ASSETUB
United Bank
Fairfax, VirginiaFDIC Cert #22858
STATEEstablished 1979237 branches
Holding company: UNITED BANKSHARES INCRegulator: FED
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportUnited Bank reported $33.6B in total assets. Deposits grew 2.68% over the prior year.
Return on assets was 1.50%, compared with an asset-peer median of 1.19%. The leverage ratio was 11.54%.
- Why is CRE Concentration to Capital above asset peers?
- Why is Tier 1 Leverage Ratio above asset peers?
- Why is Efficiency Ratio below asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$27.3B
+2.7%y/y
Percentile by value58th percentileby value
FDIC
DEP$24.6B
+4.3%y/y
Percentile by value62nd percentileby value
FDIC
LNLSNET1.50%
+32 bpsy/y
Peer standing78th percentile
FDIC
NETINC + ROA46.73%
−273 bpsy/y
Peer standing80th percentile
FDIC
NONIX + NIM + NONII + EEFFR11.54%
+1 bpsy/y
Peer standing87th percentile
FDIC
RBC1AAJPercentiles compare this bank with 154 banks with $10 billion or more.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $27.2B | $21.8B |
| Q3 2021 | $27.5B | $22.1B |
| Q4 2021 | $29.3B | $23.6B |
| Q1 2022 | $29.3B | $23.7B |
| Q2 2022 | $28.7B | $23.2B |
| Q3 2022 | $29B | $23.1B |
| Q4 2022 | $29.4B | $22.6B |
| Q1 2023 | $30.1B | $22.5B |
| Q2 2023 | $29.6B | $22.6B |
| Q3 2023 | $29.2B | $22.9B |
| Q4 2023 | $29.9B | $23.1B |
| Q1 2024 | $29.9B | $23.2B |
| Q2 2024 | $29.9B | $23.3B |
| Q3 2024 | $29.8B | $24.1B |
| Q4 2024 | $29.9B | $24.2B |
| Q1 2025 | $32.7B | $26.6B |
| Q2 2025 | $32.7B | $26.5B |
| Q3 2025 | $33.3B | $27.1B |
| Q4 2025 | $33.5B | $27.2B |
| Q1 2026 | $33.6B | $27.3B |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $2.14B |
| Investor CRE | $6.04B |
| Multifamily | $2.48B |
| Construction | $3.54B |
| 1–4 family | $6.18B |
| C&I | $2.45B |
| Agriculture | $57.7M |
| Other | $2B |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.50%78th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.71%Median 1.19%90th 1.78%Observations 154
ROE
FDIC
NETINC + ROE9.02%33rd percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 5.61%Median 10.41%90th 17.71%Observations 154
NIM
FDIC
NIM + NIMY3.85%74th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 1.82%Median 3.47%90th 4.57%Observations 160
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR46.73%80th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 36.04%Median 55.21%90th 70.91%Observations 154
Deposits YoY
FDIC
DEP+2.68%32nd percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.59%Median +5.37%90th +32.48%Observations 160
Loans YoY
FDIC
LNLSNET+4.29%35th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th +0.55%Median +7.07%90th +38.62%Observations 159
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.41%77th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.17%Median 0.75%90th 1.66%Observations 159
Leverage
FDIC
RBC1AAJ11.54%87th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 7.38%Median 9.94%90th 11.94%Observations 160
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.47%63rd percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.87%Median 2.70%90th 3.93%Observations 154
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC302%90th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 4%Median 172%90th 301%Observations 154
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.50%84th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.40%Median 1.12%90th 1.65%Observations 57
ROE
FDIC
NETINC + ROE9.02%41st percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 3.40%Median 9.51%90th 14.96%Observations 57
NIM
FDIC
NIM + NIMY3.85%55th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.97%Median 3.73%90th 4.54%Observations 57
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR46.73%95th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 50.41%Median 64.85%90th 85.85%Observations 57
Deposits YoY
FDIC
DEP+2.68%40th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.31%Median +4.47%90th +15.81%Observations 56
Loans YoY
FDIC
LNLSNET+4.29%47th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −6.80%Median +4.87%90th +17.53%Observations 56
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.41%58th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.04%Median 0.51%90th 1.73%Observations 56
Leverage
FDIC
RBC1AAJ11.54%61st percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.25%Median 11.03%90th 18.03%Observations 57
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.47%45th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.45%Median 2.44%90th 3.50%Observations 56
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC302%82nd percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 31%Median 205%90th 331%Observations 45
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.50%100th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.82%Median 1.39%90th 1.47%Observations 5
ROE
FDIC
NETINC + ROE9.02%25th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 7.31%Median 9.06%90th 9.45%Observations 5
NIM
FDIC
NIM + NIMY3.85%50th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.50%Median 3.85%90th 6.58%Observations 5
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR46.73%100th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 48.05%Median 50.72%90th 68.98%Observations 5
Deposits YoY
FDIC
DEP+2.68%25th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −0.60%Median +25.96%90th +42.37%Observations 5
Loans YoY
FDIC
LNLSNET+4.29%25th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −0.29%Median +30.30%90th +46.06%Observations 5
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.41%75th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.30%Median 0.44%90th 1.57%Observations 5
Leverage
FDIC
RBC1AAJ11.54%100th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 10.04%Median 10.80%90th 11.46%Observations 5
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.47%75th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 2.43%Median 2.50%90th 3.52%Observations 5
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC302%100th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 17%Median 262%90th 288%Observations 5
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 237 branches
- Headquarters
- Fairfax, VA
FDIC
OFFDOMOpen the Virginia dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data