Bank · FDIC insured
United Bank
Top CarrotA $1.5B bank headquartered in Atmore, AL, with 19 branches in 2 states. Best rates: CDs 4.35% and savings 0.05% APY.
United Bank Carrot Score
Carrot ScoreTop Carrot
Higher than 94% of U.S. banks and credit unions
#1 of 19 in Daphne, AL metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About United Bank
Founded in 1904 as the Bank of Atmore, Alabama, United Bank formed holding company United Bancorporation of Alabama Inc. in 1982.
The bank operates 19 locations across South Alabama and Northwest Florida and was granted CDFI Certification in 2010.
- Headquarters
- 200 E Nashville Ave, Atmore, AL 36502
- FDIC certificate
- 58 ↗
Branches
19 branches in 2 states
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Alabama
16 branches
Daphne area · 9
- Bay Minette Branch615 Mcmeans Ave, Bay Minette, AL 36507Directions
- Bay Minette Branch404 Courthouse Sq, Bay Minette, AL 36507Directions
- Daphne Branch27555 Us Highway 98, Daphne, AL 36526Directions
- Magnolia Springs12512 County Road 49, Foley, AL 36535Directions
- Mckenzie Branch516 S Mckenzie St, Foley, AL 36535Directions
- Lillian Branch34354 Us Highway 98, Lillian, AL 36549Directions
- Loxley Branch1059 W Loxley Ave, Loxley, AL 36551Directions
- Broad Street Branch21950 Broad Street, Silverhill, AL 36576Directions
- Summerdale Branch1015 Sw 1st Street, Summerdale, AL 36580Directions
Atmore area · 1
- United BankMain office200 E Nashville Ave, Atmore, AL 36502Directions
Brewton area · 1
- Brewton Branch1515 Douglas Avenue, Brewton, AL 36426Directions
Camden area · 1
- Camden Branch118 Broad St, Camden, AL 36726Directions
Flomaton area · 1
- Flomaton Branch705 Sidney E Manning Blvd, Flomaton, AL 36441Directions
Frisco City area · 1
- Frisco City Branch4285 Bowden St, Frisco City, AL 36445Directions
Monroeville area · 1
- Monroeville Branch1588 S Alabama Ave, Monroeville, AL 36460Directions
Mobile area · 1
- Semmes Branch3480 Schillinger Rd N, Semmes, AL 36575Directions
Florida
3 branches
- Jay Fl Branch14038 Alabama St, Jay, FL 32565Directions
- Berryhill Road Branch5907 Berryhill Rd, Milton, FL 32570Directions
- Pace Fl Branch4104 Highway 90, Pace, FL 32571Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 15.79% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 1.35% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.31% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $77 | $88 | — |
- CapitalLeverage ratio15.79%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent1.35%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.31%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$77Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of United Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.