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400 Griffin Street
Zebulon, GA 30295

United Bank (GA) is headquartered in Zebulon and is the 16st largest bank in the state of Georgia. It is also the 648th largest bank in the nation. It was established in 1905 and as of December of 2013, it had grown to 346 employees at 16 locations. United Bank (GA) has a B+ health rating.

Reviews (1)

United Bank Griffen Ga Sold Us Property Consisting Of 22 Acres After Surve It Was Only 17 Riped Off My Elderley R Of 5 Acres *** ******** Is Not Fit To Manage Your Money Is Himself A Thief Praying On Older People

united bank of griffen ga  sold my elderley mother 22 acres of land  wich turned out to be only 17 acres they refuse to correct this matter when brout to thair attention  in short ripping her off of 5 acres  is this the way you trete people who trust you  this was theft  theft of 5 acres of land  i would never do business with this bank again no morrals  onley in to profit at cost of hard working people  this is not rite  you are theves


Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 United Bank (GA) had $15.64 million in non-current loans and owned real-estate with $120.78 million in equity and loan loss allowances on hand to cover it. This gives United Bank (GA) a Texas Ratio of 12.95% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for United Bank (GA) decreased slightly from 15.26% as of December 31, 2012 to 12.95% as of December 31, 2013, resulting in a positive change of 15.15%.This indicates that the balance sheet and financial strength for United Bank (GA) has improved slightly in recent periods.

Deposit Growth


In the past year, United Bank (GA) has decreased its total deposits by -$10.75 million, resulting in -1.17% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth United Bank (GA) has shown is average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. United Bank (GA) has $1.02 billion in assets with $120.78 million in equity, resulting in a capitalization level of 11.85%, which is excellent.

Institution Statistics

FDIC Certificate #172
Year Established1905
Primary RegulatorFDIC
Assets and Liabilities
Assets$1.02 billion
Loans$476.00 million
Deposits$907.79 million
Equity Capital$107.51 million
Loan Loss Allowance$13.27 million
Unbacked Noncurrent Loans$13.29 million
Real Estate Owned$2.35 million
Historic Data - December 2012
Assets$1.03 billion
Equity Capital$112.85 million
Loan Loss Allowance$16.44 million
Unbacked Noncurrent Loans$13.29 million
Real Estate Owned$3.20 million
Profit Margin - Quarterly
Net Interest Margin3.57%
Return on Assets1.48%
Return on Equity13.8%
Interest Income$37.54 million

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United Bank (GA) has 16 locations. Click to view all United Bank (GA) locations.