GA lenders / Community Bank
United Bank
Community Bank · Zebulon, GA · United Bk Employee Stk Ownership Plan Tr
- Total assets
- $2.2B
- CRE loan book
- $493.5M
- QoQ CRE growth
- -0.2%
- Q1 2026
Recorded CRE activity — oh-ross County
3 commercial deeds of trust recorded recently, verified from county records.
- Sep 8, 2026 · unknownundisclosed
- Jul 8, 2026 · unknownundisclosed
- Jul 3, 2026 · landundisclosed
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 7.63% as of Q1 2026 — TX bank median 4.87% (2.76pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 7.63% | 7.81% |
| Q4 2025 | 7.95% | 8.05% |
| Q3 2025 | 7.93% | 8.06% |
| Q2 2025 | 8.29% | 8.41% |
| Q1 2025 | 7.79% | 7.92% |
| Q4 2024 | 8.04% | 8.20% |
| Q3 2024 | 8.24% | 8.36% |
| Q2 2024 | 8.02% | 8.13% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
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CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $493.5M | $195.8M | $22.1M | 127% | $611,000 |
| Q4 2025 | $494.6M | $188.8M | $23.3M | 135% | $644,000 |
| Q3 2025 | $495.0M | $178.0M | $21.1M | 119% | $3.5M |
| Q2 2025 | $483.9M | $186.1M | $20.9M | 121% | $3.4M |
| Q1 2025 | $484.0M | $190.2M | $20.7M | 117% | $3.3M |
| Q4 2024 | $466.0M | $185.3M | $21.7M | 120% | $4.2M |
| Q3 2024 | $463.2M | $182.8M | $20.5M | 119% | $296,000 |
| Q2 2024 | $457.6M | $188.9M | $16.0M | 124% | $737,000 |
Signals
Recent news
- United Bank hires Fifth Third lender to lead Gaston County growth push - The Business Journals — Coverage of United Bank related to lending reported by bizjournals.com.Oct 1, 2026
- Ohio City’s United Bank Building anchors block-long portfolio hitting the market - Crain's Cleveland — Coverage of United Bank related to commercial real estate and lending reported by crainscleveland.com.Sep 18, 2026
- Shore United Bank Signs Lease for New Glen Burnie Branch at Cromwell Business Park - citybiz — Coverage of United Bank related to branch operations reported by citybiz.co.Jun 23, 2026
Similar lenders
Other community banks we track with a comparable CRE book size.
- The Farmers Bank, Frankfort, IndianaCommunity Bank · Frankfort · $493.4M CRE book
- Forcht Bank, National AssociationCommunity Bank · Lexington · $490.3M CRE book
- Citizens Tri-County BankCommunity Bank · Dunlap · $505.3M CRE book
- UniBank for SavingsCommunity Bank · Whitinsville · $481.0M CRE book
- MountainOne BankCommunity Bank · North Adams · $506.8M CRE book
Last updated Sep 8, 2026 · Sources: FFIEC CDR, county records, first-party conversations.