B
United Bank
AtmoreAL
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings United Bank
Atmore, AL
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Rating B
Asset Quality Index 6.70
Capitalization Index 10.00
Liquidity Index 3.60
Profitability Index 7.30
Stability Index 10.00
Company Info United Bank
Atmore, AL
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FDIC Number 58
Phone Number (251) 446-6000
Website www.unitedbank.com
Asset Quality United Bank
Atmore, AL
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1-Year Asset Growth 3.46%
5-Year Asset Growth 19.18%
5-Year Charge-Offs to Average Loans 0.11%
Charge-Offs to Average Loans 0.67%
Non-Performing Assets to Assets 0.62%
Non-Performing Loans to Capital 3.23%
Non-Performing Loans to Loans 0.90%
Balance Sheet United Bank
Atmore, AL
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Total Assets 1.42B
Total Deposits 1.18B
Capital and Reserves United Bank
Atmore, AL
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Capital 207.31M
Leverage Ratio 15.20
Loan Loss Reserves to Loans 1.31%
Risk-Based Capital Ratio 21.48
Liquidity United Bank
Atmore, AL
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Hot Money Ratio 18.02%
Liquidity Ratio 26.75%
Profitability United Bank
Atmore, AL
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5-Year Return on Average Assets 1.68%
Net Income 14.23M
Net Interest Spread 4.55%
Operating Profit to Average Assets 1.68%
Overhead Efficiency Ratio 58.84%
Return on Assets 1.31%
Return on Equity 9.63%