Bank · FDIC insured
United Bank
A $2.2B bank headquartered in Zebulon, GA, with 17 branches in Georgia. Best rates: CDs 2.02% and savings 0.50% APY.
United Bank Carrot Score
63
Carrot Score
Higher than 10% of U.S. banks and credit unions
#56 of 60 in Atlanta, GA metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About United Bank
Founded in 1905 in Zebulon, Georgia by local businessmen, United Bank was established to create a trusted financial institution with deep roots in its small-town community.
The employee-owned institution is more than 30 percent owned by its Employee Stock Ownership Plan and operates a network of branches across Middle Georgia.
- Headquarters
- 685 Griffin St, Zebulon, GA 30295
- FDIC certificate
- 172 ↗
Branches
17 branches in Georgia
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Georgia
17 branches
Atlanta area · 11
- United BankMain office685 Griffin St, Zebulon, GA 30295Directions
- Covington Branch7200 Highway 278 Ne, Covington, GA 30014Directions
- 505 South Hill Street Branch505 S Hill St, Griffin, GA 30224Directions
- Northside Branch1500 W Mcintosh Rd, Griffin, GA 30223Directions
- West Taylor Street Branch1340 W Taylor St, Griffin, GA 30223Directions
- Jackson Branch150 Covington St, Jackson, GA 30233Directions
- Madison Branch256 N Main St, Madison, GA 30650Directions
- First Coweta Bank Branch61 Bullsboro Dr, Newnan, GA 30263Directions
- Newnan Branch2245 Highway 34 E, Newnan, GA 30265Directions
- Williamson Branch435 W Williamson Rd, Williamson, GA 30292Directions
- The Woodbury Banking Company Branch33 Jones Mill Rd, Woodbury, GA 30293Directions
Barnesville area · 2
- 308 Thomaston Street Branch308 Thomaston St, Barnesville, GA 30204Directions
- Ingles Branch625 Veterans Pkwy, Barnesville, GA 30204Directions
Macon area · 2
- Monroe County Bank Branch1 E Main St, Forsyth, GA 31029Directions
- Bolingbroke Branch10788 Estes Rd, Macon, GA 31210Directions
Thomaston area · 2
- Thomaston 19 North1111 Highway 19 N, Thomaston, GA 30286Directions
- Thomaston Main Branch215 N Center St, Thomaston, GA 30286Directions
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 | 12.75% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.23% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 2.50% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $50 | $88 | — |
- CapitalLeverage ratio12.75%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.23%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets2.50%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$50Peers’ 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.