Official record
CDFI Fund list, 21 Oct 2026| Institution type | Bank or thrift |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 27 Apr 2016 |
| RSSD ID | 994435 |
| Address | PO Box 8, Atmore, AL 36504 Directions to the main office (Google Maps) |
| Website | Not given on the official list (listed as “Not Available”) |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Not yet verifiedWe have not yet read this lender's website, so we can't list its loan products, sizes or service area. That doesn't mean it lacks them. The official list gives no website for this lender; contact it at the address above.
Questions to ask when you contact them
We have no details from their website yet, so these are the basics to ask any lender. Something missing here does not mean they don't offer it: ask.
- What kinds of loans do you make, and which one fits what I need?
We have no loan details from their website. - Do you lend where I live, or where my business is?
- What are the smallest and the largest loans you make?
- What interest rate and fees should I expect? For a personal, car or home loan, ask for the APR.
- What documents will you need from me, and how long does a decision usually take?
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$46.1 million in 21 awards from the U.S. Treasury's CDFI Fund, 2011–2024 (5 programs).
| Round year | Program | Amount |
|---|---|---|
| 2024 | Bank Enterprise Award Program | $64,017 |
| 2024 | Capital Magnet Fund | $9,000,000 |
| 2023 | Bank Enterprise Award Program | $437,350 |
| 2023 | Capital Magnet Fund | $9,000,000 |
| 2022 | CDFI Equitable Recovery Program | $4,957,678 |
| 2021 | Bank Enterprise Award Program | $170,699 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2021 | Small Dollar Loan Program | $122,256 |
| 2020 | Bank Enterprise Award Program | $202,898 |
| 2020 | Capital Magnet Fund | $8,000,000 |
| 2019 | Bank Enterprise Award Program | $245,547 |
| 2019 | Capital Magnet Fund | $6,000,000 |
| 2018 | Bank Enterprise Award Program | $233,244 |
| 2017 | Bank Enterprise Award Program | $233,389 |
| 2017 | Capital Magnet Fund | $4,000,000 |
| 2016 | Bank Enterprise Award Program | $14,580 |
| 2015 | Bank Enterprise Award Program | $265,496 |
| 2014 | Bank Enterprise Award Program | $355,000 |
| 2013 | Bank Enterprise Award Program | $323,000 |
| 2012 | Bank Enterprise Award Program | $415,000 |
| 2011 | Bank Enterprise Award Program | $209,060 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
FDIC, 30 Jun 2026On file with the FDIC as United Bank (FDIC cert 58). Source: FDIC BankFind Suite (public data): total assets from the Call Report as of 30 Jun 2026; office list as of 30 Oct 2026, downloaded 3 Nov 2026.
| Total assets | $1.5 billion (as of 30 Jun 2026) |
|---|---|
| Offices | 19 in 2 states (as of 30 Oct 2026) |
Offices by state and county (19)
Alabama (16 offices)
- Baldwin County (9): 404 Courthouse Sq, Bay Minette 36507; 615 Mcmeans Ave, Bay Minette 36507; 27555 Us Highway 98, Daphne 36526; 12512 County Road 49, Foley 36535; 516 S Mckenzie St, Foley 36535; 34354 Us Highway 98, Lillian 36549; 1059 W Loxley Ave, Loxley 36551; 21950 Broad Street, Silverhill 36576; 1015 Sw 1st Street, Summerdale 36580
- Escambia County (3): 200 E Nashville Ave, Atmore 36502 (main office); 1515 Douglas Avenue, Brewton 36426; 705 Sidney E Manning Blvd, Flomaton 36441
- Mobile County (1): 3480 Schillinger Rd N, Semmes 36575
- Monroe County (2): 4285 Bowden St, Frisco City 36445; 1588 S Alabama Ave, Monroeville 36460
- Wilcox County (1): 118 Broad St, Camden 36726
Florida (3 offices)
- Santa Rosa County (3): 14038 Alabama St, Jay 32565; 5907 Berryhill Rd, Milton 32570; 4104 Highway 90, Pace 32571
An office shows where the lender has a branch, not where it lends or whom it lends to.
What the regulator filing shows
Call Report, 30 Jun 2026Figures from the Call Report filed by United Bank (RSSD 994435, FDIC cert 58). Source: FFIEC Central Data Repository, bulk Call Report data (public data), report date 30 Jun 2026; year-earlier figures from the 30 Jun 2025 report; downloaded 4 Nov 2026. Schedules RC-C Parts I and II, dollar amounts filed in thousands.
| Total loans and leases | $942.2 million (as of 30 Jun 2026, net of unearned income) |
|---|---|
| Change over the year | Up 5.5% from $892.7 million on 30 Jun 2025 |
| Total assets | $1.48 billion (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| Home mortgages (1-4 family, closed-end) | $121.2 million | 12.9% |
| Home equity lines of credit | $5.8 million | 0.6% |
| Commercial real estate, construction and multifamily | $434.9 million | 46.2% |
| Commercial and industrial (business) loans | $198.4 million | 21.1% |
| Farmland and farm production loans | $90.9 million | 9.6% |
| Consumer loans (credit cards, auto, other) | $36.1 million | 3.8% |
| All other loans and leases | $55.1 million | 5.8% |
Within consumer loans: auto loans $13.2 million, credit cards $2.1 million.
Small business loans (original amount $1 million or less, balances on 30 Jun 2026)
| Original loan amount | Secured by business property | Commercial and industrial |
|---|---|---|
| Up to $100,000 | 92 loans $3.2 million | 475 loans $9.2 million |
| $100,001 to $250,000 | 120 loans $15.4 million | 123 loans $12.3 million |
| $250,001 to $1 million | 127 loans $47.6 million | 110 loans $30.6 million |
| All small business loans | 339 loans $66.2 million | 708 loans $52.2 million |
Small farm loans (original amount $500,000 or less, balances on 30 Jun 2026)
| Original loan amount | Secured by farmland | Farm production |
|---|---|---|
| Up to $100,000 | 108 loans $5.1 million | 122 loans $2.6 million |
| $100,001 to $250,000 | 102 loans $13.3 million | 40 loans $3.5 million |
| $250,001 to $500,000 | 38 loans $10.6 million | 35 loans $7 million |
| All small farm loans | 248 loans $28.9 million | 197 loans $13.2 million |
Balances are loans outstanding on the report date, not loans made during the year, and they include loans the bank bought. Shares are of gross loans and leases. The change over the year includes loans gained through mergers or bought from others. A category with no balance does not mean the bank never makes that kind of loan; ask the bank.
Home loans reported under HMDA (2025)
FFIEC HMDA data, 2025United Bank reported 123 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $39.7M (median loan about $135,000). 63 were home-purchase loans.
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Home purchase | 63 | 51% |
| Refinance (incl. 3 cash-out) | 46 | 37% |
| Home improvement | 7 | 5.7% |
| Other purpose | 7 | 5.7% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 123 | 100% |
Included above: 9 loans on manufactured homes; 11 loans on multifamily (5+ unit) properties.
Where the loans were made
Counties with the most 2025 originations, out of 20 counties with at least one; 84% of its 2025 loans were for properties in Alabama:
- Baldwin County, AL (44)
- Mobile County, AL (32)
- Escambia County, AL (9)
- Santa Rosa County, FL (9)
- Monroe County, AL (7)
- Wilcox County, AL (5)
Filed under LEI 549300OPKCV6BLMDSL66 as “UNITED BANK”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Median SBA 7(a) loan it approved, FY2020–FY2026 | $294,800 (10 loans) | All 7(a) lenders in Alabama: $289,800. Larger than the median loan of 74% of the 97 other certified CDFIs with 10 or more 7(a) loans. |
| SBA approvals, FY2023–24 → FY2025–26 | 1 → 3 | Rank among the 7 certified CDFIs in Alabama with SBA approvals in either period: 4 → 2. |
| Total assets (Call Report, 30 Jun 2026) | $1.48 billion | Larger than 96% of the 26 other certified banks and bank holding companies in Alabama (median $229.8 million). |
| Loans as a share of assets | 64% | Median of the same 26 banks and bank holding companies: 54%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $892.7 million → $942.2 million (+6%) | Median change of 26 other certified banks and bank holding companies in Alabama: +6%. Rank by loans held among these 27: 1 → 1. |
| Home loans originated in 2025 (HMDA) | 123 | More than 52% of the 263 other certified CDFIs that reported 3 or more (119 at the median). Volume only; nothing here is an approval rate. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Median SBA 7(a) loan | certified CDFIs with 10+ 7(a) loans, nationwide | 97 | larger than 74% |
| SBA approvals then vs now | certified CDFIs in Alabama with SBA approvals FY2023–2026 | 6 | rank 4 → 2 of 7 |
| Call Report total assets | other certified banks and bank holding companies in Alabama | 26 | larger than 96% |
| Loans held then vs now | certified banks and bank holding companies in Alabama reporting both dates | 26 | rank 1 → 1 of 27 |
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 52% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered; your rate depends on the loan and on the lender's review. Peer groups and sources: methodology. SBA 7(a) & 504 FOIA data as of 30 Sep 2026. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data.
SBA loans approved
SBA data as of 30 Sep 2026The SBA's public loan data lists 11 SBA-backed approvals for United Bank in fiscal years 2020–2026 (October 2019 to September 2026):
- 10 7(a) loans as the lender: $4.8M in total (gross amount approved), median $294,800
- 1 504 projects as the third-party (first-lien) lender
By fiscal year: FY2020 0 · FY2021 5 · FY2022 2 · FY2023 0 · FY2024 1 · FY2025 3 · FY2026 0.
What actually happened
- Size of its 7(a) loans: half were between $204,175 and $552,350, median $294,800 (10 loans)
- Term of its 7(a) loans: median 210 months (18 years) (10 loans)
- Fixed or variable: 30% of its 7(a) loans had a fixed rate (10 loans)
- Young businesses: 70% of its 7(a) loans went to a startup or a business two years old or less (10 loans with an answer)
Descriptive only: what the SBA file records for loans this lender approved in fiscal years 2020–2026. Each figure covers at least 10 loans; with fewer we show nothing. It is not an offer, not the rate or term you would get, and says nothing about your chance of approval.
By program
- 7(a) standard (9, 82%)
- 7(a) working-capital and trade lines (1, 9%)
- 504 projects (as the third-party lender) (1, 9%)
Borrower industries
NAICS sector, 3 or more loans.
- Manufacturing (5)
- Other services (except public administration) (3)
How this lender was matched in the SBA files: FDIC cert 58, found through the RSSD ID on the CDFI Fund list (SBA lists “United Bank”); 504 third-party lender name: same name, state and city (SBA lists “United Bank”).
Approved is not the same as paid out: an approved loan can be reduced or never drawn. SBA lists the lender each loan is currently assigned to, which can differ after a merger or loan sale. United Bank may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files. For 504 projects, the CDC amount is the SBA-backed portion and the third-party lender amount is that lender's own first-lien loan.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
Other certified CDFIs in Atmore and Alabama
- First National Bank and TrustBank or thrift · Atmore, ALAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Home repair / improvement loans…Verified
- First Suncoast Trust Bancshares, Inc.Bank holding company · Atmore, ALAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Home repair / improvement loans…Verified
- United Bancorporation of Alabama, IncBank holding company · Atmore, ALOfficial list only
- AOD Federal Credit UnionCredit union · Bynum, ALAgriculture / farm loans, Auto / vehicle loans, Home mortgages, Personal / consumer loans…Verified
- Bank of VernonBank or thrift · Vernon, ALAuto / vehicle loans, Small-dollar / emergency loans, Equipment loans, Home mortgages…Verified
- CNB Bancorp Inc.Bank holding company · Mobile, ALCommercial real estate loans, Equipment loans, Home mortgages, Personal / consumer loans…Verified
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