United Bank

Fairfax, Virginia, Fairfax City County

$33.6B in total assets, the 68th largest of 4,309 US banks and 4th of 57 headquartered in Virginia.

At a glance

Compared with 132 US banks with $10 billion to $100 billion in assets, as of June 30, 2026.

Measure	This bank	Percentile	Peer median
Total assets	$33.6B	74%	$22.4B
Loans	$25.0B	80%	$14.4B
Deposits	$27.3B	74%	$18.0B
Return on assets	1.58%	79%	1.29%
Net interest margin	3.87%	68%	3.61%
Efficiency ratio	45.8%	19%	55.2%
Equity to assets	16.69%	95%	11.57%
Loans to deposits	92%	70%	87%

Total assets grew 4.4% a year over the last 5 years and 14.3% a year over 10 years, including 5 acquisitions in the last 10 years.

Closed	Acquired bank	Assets at acquisition
Jan 2025	The Piedmont Bank Peachtree Corners, GA	$2.4B
Dec 2021	Essex Bank Richmond, VA	$1.8B
May 2020	CresCom Bank Charleston, SC	$4.8B
Nov 2017	United Bank Parkersburg, WV, an affiliate under the same holding company	$6.3B
Apr 2017	Cardinal Bank Mclean, VA	$4.3B
Jun 2016	Bank of Georgetown Washington, DC	$1.3B
Feb 2014	Virginia Commerce Bank Arlington, VA	$2.7B
Jul 2007	The Marathon Bank Stephens City, VA	$440M
Jul 2007	Rockingham Heritage Bank Harrisonburg, VA	$427M
Oct 2003	Sequoia Bank Bethesda, MD	$532M
Dec 2001	Century National Bank Washington, DC	$412M
Apr 1998	United Bank Arlington County, VA, an affiliate under the same holding company	$360M
Apr 1998	BankFirst, National Association Mclean, VA, an affiliate under the same holding company	n/a
Jun 1997	George Mason Bank, National Association Bethesda, MD	$101M
Sep 1992	The Washington Bank Falls Church, VA	$28M

235 branches in 102 counties.

County	Deposits	Market share	Rank
Fairfax County, VA	$4.6B	4.0%	5 of 38
District Of Columbia County, DC	$1.8B	3.2%	6 of 34
Monongalia County, WV	$1.5B	29.3%	1 of 13
Kanawha County, WV	$1.4B	20.0%	2 of 13
Montgomery County, MD	$1.1B	2.1%	13 of 29
Wood County, WV	$803M	36.0%	1 of 8

Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.

Net gain of 166 branches since 2016 (69 to 235, +240.6%). 6 opened, 196 acquired, 36 closed or sold.

Period	What happened	Opened or acquired	Closed or sold	Net change	Branches at end
Start of 2016	Starting point				69
2016	Acquired Bank of GeorgetownClosed 3 in 2 states	6	3	+3	72
2017	Acquired Cardinal Bank and United BankClosed 9 in 2 states	80	9	+71	143
2018	Closed 3 in 3 states	0	3	−3	140
2019	Opened HuntingtonClosed Falls Church and Huntington	1	2	−1	139
2020	Acquired CresCom BankBought 11 branches from Carolina Trust Bank, opened Charlotte and Harrisonburg, closed Harrisonburg and Wheeling	74	2	+72	211
2021	Acquired Essex BankOpened Washington, closed 11 in 5 states	23	11	+12	223
2022	Opened Landover HillsClosed Bethesda and Fairfax	1	2	−1	222
2023	Closed Leesburg and Winchester	0	2	−2	220
2024	Closed Chantilly	0	1	−1	219
2025	Acquired The Piedmont BankOpened Richmond, closed Alexandria	17	1	+16	235

Type	This bank	Peers
Commercial real estate	34%	25%
1-4 family residential	25%	21%
Construction and land	13%	6%
Business (C&I)	10%	17%
Multifamily	10%	8%
Consumer	3%	10%
Other	5%	13%

Type	This bank	Peers
Other interest-bearing	58%	62%
Noninterest-bearing	25%	20%
Time deposits	18%	18%

Brokered deposits are 1.2% of deposits (peers 7.3%).

Trailing four quarters, with the peer median.

Noncurrent loans exclude government-guaranteed portions.

Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/united-bank-fairfax-va