United Bank (Fairfax, VA)
United Bank (Fairfax, VA) reported total assets of $33.6 bn at Q2 2026, up 2.9% on a year earlier, the 65th largest of 497 banks in our US coverage. The CET1 capital ratio at United Bank (Fairfax, VA) was 13.69%, and the uninsured share of United Bank (Fairfax, VA) was 38.29%. Source: FDIC Call Reports.
Key takeaways
- Since , United Bank (Fairfax, VA) has taken over 6 institutions; the latest was The Piedmont Bank on (FDIC Call Reports).
- On net interest margin, United Bank (Fairfax, VA) slipped from 123rd to 178th among 500 US banks between and (1 = highest; FDIC Call Reports).
What sets United Bank (Fairfax, VA) apart
How large is United Bank (Fairfax, VA)?
The balance sheet of United Bank (Fairfax, VA) at : assets $33.6 bn, deposits $27.3 bn, net loans $24.7 bn (loans equal to 90.46% of deposits). Securities make up 9.9% of total assets at United Bank (Fairfax, VA). Since , when United Bank (Fairfax, VA) held $7.3 bn, its assets grew 359.3%. In the year to , deposits at United Bank (Fairfax, VA) rose 3.0% while its total assets rose 2.9%. At , United Bank (Fairfax, VA) employed 2,674 full-time equivalent staff across 237 offices, about $12.6 mn of assets per employee and $115.4 mn of deposits per office.
How much funding at United Bank (Fairfax, VA) is uninsured?
At United Bank (Fairfax, VA), uninsured deposits (above the FDIC limit) made up 38.29% of domestic deposits at (-0.34 pp on a year earlier); United Bank (Fairfax, VA) ranks 215th of 500 on this measure. In dollars, United Bank (Fairfax, VA) estimated $10.5 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $27.3 bn | +3.0% | 66th of 499 |
| Net loans and leases | $24.7 bn | +4.0% | 58th of 500 |
| Loan-to-deposit ratio | 90.46% | +0.89 pp | 180th of 500 |
| Tier 1 leverage ratio | 11.60% | +0.03 pp | 117th of 500 |
| Total risk-based capital ratio | 14.91% | -0.04 pp | 177th of 448 |
| Net interest margin | 3.87% | -0.02 pp | 178th of 500 |
| Return on assets (ROA) | 1.56% | +0.16 pp | 139th of 500 |
| Efficiency ratio | 45.77% | -1.51 pp | 87th of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $211.9 mn | Narrowed by $48.2 mn | |
| Noncurrent loans to total loans | 0.44% | +0.16 pp | 168th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.09% | -0.05 pp | 249th of 500 (1 = lowest) |
US rank of United Bank (Fairfax, VA): 1 = highest unless marked 1 = lowest.
Balance sheet
United Bank (Fairfax, VA): assets, deposits and loans
- Total assets $33.6bn
- Deposits $27.3bn
- Net loans $24.7bn
Capital and securities
The CET1 ratio of United Bank (Fairfax, VA) stood at 13.69% in , -0.03 pp year on year. Low and high at United Bank (Fairfax, VA) since : 12.01% () to 14.76% (). Equity capital of United Bank (Fairfax, VA) at : $5.6 bn, or 16.7% of total assets. United Bank (Fairfax, VA) also reported a total capital ratio of 14.91% for , and a tier 1 leverage ratio of 11.60%.
The available-for-sale portfolio of United Bank (Fairfax, VA) showed an unrealized loss of $211.9 mn at ; the loss narrowed by $48.2 mn over the year.
United Bank (Fairfax, VA): capital ratios
- Total capital 15%
- CET1 14%
- Tier 1 leverage 12%
United Bank (Fairfax, VA): unrealized securities gains and losses
- Available for sale -$212mn
- Held to maturity $0
Profitability and loan quality
For the year to , United Bank (Fairfax, VA) earned a return on equity of 9.36%; return on assets: 1.56%. Net interest margin at United Bank (Fairfax, VA): 3.87%, -0.02 pp in a year. United Bank (Fairfax, VA) net income: $261.9 mn, up 18.2% year on year. The efficiency ratio of United Bank (Fairfax, VA) was 45.77%: about 46 cents cost per revenue dollar, against 59 cents at the median peer.
At , noncurrent loans were 0.44% of total loans at United Bank (Fairfax, VA); net charge-offs: 0.09% of average loans. Gross loans and leases at United Bank (Fairfax, VA): $25.0 bn, up 3.9% in a year.
United Bank (Fairfax, VA): profitability
- Return on equity 9.4%
- Net interest margin 3.9%
- Return on assets 1.6%
Peer group of United Bank (Fairfax, VA)
The peer group of United Bank (Fairfax, VA) is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 2 share the charter type of United Bank (Fairfax, VA) (state member bank), 6 sit in the same size group ($10 bn to $100 bn) and 0 have head offices in Virginia. Against them, United Bank (Fairfax, VA) shows CET1 ratio 13.69% against a peer median of 12.84%, return on equity 9.36% against a peer median of 9.55% and uninsured deposit share 38.29% against a peer median of 35.80%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Banc of California | State member bank | CA | $34.9 bn | 12.68% | -7.92% | 28.88% | |
| BankUnited | National bank | FL | $34.9 bn | 13.01% | 9.55% | 57.91% | |
| First National Bank of Omaha | National bank | NE | $34.2 bn | 12.64% | 15.91% | 33.93% | |
| United Bank | State member bank | VA | $33.6 bn | 13.69% | 9.36% | 38.29% | |
| Texas Capital Bank | State member bank | TX | $33.6 bn | 12.35% | 9.55% | 37.66% | |
| Fulton Bank | National bank | PA | $32.6 bn | 13.03% | 11.84% | 40.46% | |
| TD Bank USA | National bank | DE | $32.1 bn | 31.20% | 3.55% | 1.28% | |
. FDIC Call Reports.
Last eight quarters
Two years at United Bank (Fairfax, VA), to : assets +13.0%, deposits +13.6%, equity +12.2%. Staff 2,574 to 2,674; offices 221 to 237.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $29.8 bn | $29.9 bn | $32.7 bn | $32.7 bn | $33.3 bn | $33.5 bn | $33.6 bn | $33.6 bn |
| Total deposits | $24.1 bn | $24.2 bn | $26.6 bn | $26.5 bn | $27.1 bn | $27.2 bn | $27.3 bn | $27.3 bn |
| Bank equity capital | $5.0 bn | $5.0 bn | $5.4 bn | $5.4 bn | $5.5 bn | $5.6 bn | $5.6 bn | $5.6 bn |
| CET1 ratio | 13.95% | 14.26% | 13.52% | 13.72% | 13.65% | 13.75% | 13.64% | 13.69% |
| Return on equity (ROE) | 8.14% | 8.15% | 7.11% | 8.38% | 8.76% | 9.02% | 9.02% | 9.36% |
| Uninsured share of domestic deposits | 37.25% | 37.44% | 38.21% | 38.64% | 39.15% | 37.93% | 37.39% | 38.29% |
| Full-time equivalent employees | 2,574 | 2,514 | 2,712 | 2,682 | 2,703 | 2,660 | 2,667 | 2,674 |
| Number of offices | 221 | 221 | 237 | 237 | 237 | 237 | 237 | 237 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of United Bank (Fairfax, VA), oldest first; figures before and after each event are not like for like.
- . Absorbed Bank of Georgetown (FDIC certificate 57941).
- . Absorbed Cardinal Bank (FDIC certificate 34733).
- . Absorbed United Bank (FDIC certificate 6784).
- . Absorbed CresCom Bank (FDIC certificate 57135).
- . Absorbed Essex Bank (FDIC certificate 8675).
- . Absorbed The Piedmont Bank (FDIC certificate 58374).
Large one-quarter moves at United Bank (Fairfax, VA)
- Total assets at United Bank (Fairfax, VA) changed by +47.8% in the quarter to 2017-06-30: Merger -Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from Cardinal Bank.
- Total assets at United Bank (Fairfax, VA) changed by +44.6% in the quarter to 2017-12-31: Merger -Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from United Bank.
- Total assets at United Bank (Fairfax, VA) changed by +28.8% in the quarter to 2020-06-30: Absorbtion - Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from CresCom Bank.
Questions and identifiers
What were the total assets of United Bank (Fairfax, VA)?
United Bank (Fairfax, VA) reported $33.6 bn at in its Call Report. That makes United Bank (Fairfax, VA) the 65th largest of 497 banks in our US coverage.
Is United Bank (Fairfax, VA) the same as its holding company?
No. This page covers United Bank (Fairfax, VA), FDIC certificate 22858; UNITED BANKSHARES INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is United Bank (Fairfax, VA) profitable?
United Bank (Fairfax, VA) reported net income of $261.9 mn for the year to ; annualized return on equity: 9.36%. So yes: United Bank (Fairfax, VA) made a profit over these months.
When is data for United Bank (Fairfax, VA) next updated?
Figures from United Bank (Fairfax, VA) for are due after .
Where can I check the figures for United Bank (Fairfax, VA)?
In the FDIC BankFind Suite record for certificate 22858, and in the Call Reports of United Bank (Fairfax, VA) (RSSD ID 365325) at the FFIEC Central Data Repository.