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United Bank
Fairfax, VA·FDIC Cert #22858·Charter: STATE·Est. 19790510.0·HC: UNITED BANKSHARES INC
Total Assets
$33.5B
Q4 2025
Return on Assets
1.50%
+0.04%Peer avg: 1.08%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
45.99%
Peer avg: 53.0%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
60
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.50%+0.04
ROE
9.02%+0.26
Efficiency
45.99%-0.57
Equity/Assets
0.00%+0.00
NPL Ratio
0.42%-0.07
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
89.70%+0.18
Charge-offs
0.19%-0.01
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.2 | 1.3 | 1.3 | 1.3 | 1.2 | 1.4 | 1.5 | 1.5 |
| ROE | 7.7 | 8.1 | 8.1 | 8.2 | 7.1 | 8.4 | 8.8 | 9.0 |
| Efficiency | 53.6 | 52.0 | 50.8 | 50.2 | 49.5 | 47.3 | 46.6 | 46.0 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.3 | 0.3 | 0.3 | 0.3 | 0.3 | 0.3 | 0.5 | 0.4 |
| Charge-offs | 0.0 | 0.0 | 0.0 | 0.1 | 0.1 | 0.1 | 0.2 | 0.2 |
| Loan/Deposit | 92.0 | 91.8 | 88.9 | 88.6 | 88.7 | 89.6 | 89.5 | 89.7 |
Balance Sheet
Total Assets$33.5B
Total Deposits$27.2B
Total Loans$24.4B
Total Equity$5.6B
Profitability
ROA1.50%
ROE9.02%
Efficiency Ratio45.99%
Net Income$486.3M
Risk & Asset Quality
NPL Ratio0.42%
Charge-off Rate0.19%
Loan/Deposit89.70%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans