United Bank
Total assets
$33.64B
▲ +2.9% YoY
Deposits
$27.34B
▲ +3.0% YoY
Loans
$24.73B
▲ +4.0% YoY
Offices
237
UNITED BANKSHARES INC
ROA (annualized)
1.56%
peers 1.23%
ROE (annualized)
9.36%
peers 11.23%
Peer comparison 160 banks with 10B+ in assets
| Metric | United Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.9% | +5.9% | -2.9 pts |
| Deposit growth (YoY) | +3.0% | +5.7% | -2.7 pts |
| Loan growth (YoY) | +4.0% | +6.9% | -2.9 pts |
| ROA | 1.56% | 1.23% | +0.3 pts |
| ROE | 9.4% | 11.2% | -1.9 pts |
ROA ranks in the 76th percentile of its peer group · Q2 2026
Profile
- Established
- 1979
- Charter
- State
- Primary regulator
- FED
- Holding company
- UNITED BANKSHARES INC
- Specialization
- Commercial Lending Specialization
- Address
- 11185 Fairfax Blvd, Fairfax, VA, 22030
- County
- Fairfax City
- Metro area
- Washington-Arlington-Alexandria, DC-VA-MD-WV
- Offices
- 237
- FDIC cert #
- 22858
- RSSD ID
- 365325
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $33.64B | $27.34B | $24.73B | $5.62B | $261.9M | 1.56% | 3.87% | 0.36% |
| Q1 2026 | $33.61B | $27.30B | $24.59B | $5.59B | $125.8M | 1.50% | 3.85% | 0.34% |
| Q4 2025 | $33.55B | $27.25B | $24.44B | $5.58B | $486.3M | 1.50% | 3.91% | 0.33% |
| Q3 2025 | $33.29B | $27.08B | $24.24B | $5.51B | $350.8M | 1.46% | 3.90% | 0.37% |
| Q2 2025 | $32.68B | $26.55B | $23.78B | $5.44B | $221.5M | 1.39% | 3.89% | 0.23% |
| Q1 2025 | $32.69B | $26.59B | $23.58B | $5.38B | $92.5M | 1.18% | 3.84% | 0.22% |
| Q4 2024 | $29.92B | $24.21B | $21.45B | $5.02B | $400.8M | 1.34% | 3.55% | 0.25% |
| Q3 2024 | $29.77B | $24.07B | $21.40B | $5.00B | $298.6M | 1.33% | 3.53% | 0.22% |
Loan mix (Q2 2026): real estate $20.48B · commercial $2.53B · consumer $789.7M · securities $3.32B
Ratio pack Q2 2026 · peer medians from 160 institutions
Profitability
| Ratio | United Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.56% | 1.23% | 76th | |
Return on equity Annualized net income ÷ equity or net worth | 9.4% | 11.3% | 31th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.87% | 3.55% | 72th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 45.8% | 54.9% | 21th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | United Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | United Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | United Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | United Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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