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Lender record

United Bank

The real lending record — every figure from funded deals. HQ: 685 Griffin St, Zebulon, GA. 18 branches.

91

Recent deals (FY20+)

$557K

Typical deal

20 days

Approval → funding

0%

Failure rate (FY20–23)

Where United Bank lends

Deals United Bank funded — list all 91 as text

Deal profile

Most United Bank deals land between $287K and $1.4M — that range covers half of everything they fund. Top industries and states:

Industries they fund most

  1. 1.Limited-Service Restaurants (7)
  2. 2.Full-Service Restaurants (6)
  3. 3.Snack and Nonalcoholic Beverage Bars (5)
  4. 4.Car Washes (3)
  5. 5.Beer, Wine, and Liquor Stores (3)
  6. 6.Hotels (except Casino Hotels) and Motels (3)
  7. 7.Beauty Salons (3)
  8. 8.Private Mail Centers (2)

Most active states

  1. 1.Georgia (69 deals)
  2. 2.Alabama (11 deals)
  3. 3.Florida (5 deals)
  4. 4.South Carolina (2 deals)
  5. 5.Kentucky (2 deals)
  6. 6.Tennessee (1 deals)
  7. 7.North Carolina (1 deals)

Franchises they finance most

Checkers

2 deals

Huddle House

1 deals

Ding Tea

1 deals

PONKO Chicken

1 deals

Crumbl

1 deals

Can United Bank fund you? The bank behind the loans

Total assets

$2.2B

▼ 4.9% vs prior quarter

Deposits on hand

$1.9B

▼ 6% vs prior quarter

Loans outstanding

$916.4M

▲ 0.4% vs prior quarter

Net income (latest qtr)

$14.7M

  • •SBA is a sideline here — this year's production is a rounding error against the loan book. Your deal competes with everything else they'd rather fund; a specialist bank will usually move faster. That makes United Bank more SBA-focused than 14% of the banks on our record.
  • •Deposits shrank last quarter — worth asking early how much new-loan appetite they have right now.
  • •Return on assets of 2.59% — above the ~1% mark generally considered strong for a bank. How any of this translates to your rate is a question for the loan officer — pricing is set deal by deal.

FDIC call-report data, quarter ending 03/2026.

Walk into a United Bank branch (18)

United BankMain office685 Griffin StZebulon, GA 30295 · since 1905

The Woodbury Banking Company Branch33 Jones Mill RdWoodbury, GA 30293 · since 1902

Monroe County Bank Branch1 E Main StForsyth, GA 31029 · since 1908

Thomaston Main Branch215 N Center StThomaston, GA 30286 · since 1926

505 South Hill Street Branch505 S Hill StGriffin, GA 30224 · since 1927

308 Thomaston Street Branch308 Thomaston StBarnesville, GA 30204 · since 1972

Northside Branch1500 W Mcintosh RdGriffin, GA 30223 · since 1993

Ingles Branch625 Veterans PkwyBarnesville, GA 30204 · since 1995

Williamson Branch435 W Williamson RdWilliamson, GA 30292 · since 1997

Jackson Branch150 Covington StJackson, GA 30233 · since 1997

Thomaston 19 North1111 Highway 19 NThomaston, GA 30286 · since 2002

Bolingbroke Branch10788 Estes RdMacon, GA 31210 · since 2002

Locust Grove Ingles Branch4908 Bill Gardner PkwyLocust Grove, GA 30248 · since 2003

First Coweta Bank Branch61 Bullsboro DrNewnan, GA 30263 · since 2004

Madison Branch256 N Main StMadison, GA 30650 · since 2004

Covington Branch7200 Highway 278 NeCovington, GA 30014 · since 2005

West Taylor Street Branch1340 W Taylor StGriffin, GA 30223 · since 2010

Newnan Branch2245 Highway 34 ENewnan, GA 30265 · since 2019

Scroll for all 18 branches · Branch data: FDIC BankFind.

Recent deals

  • Forsyth Ship & Print Co., LLC in Forsyth, GA — $147K (2026) · Private Mail Centers
  • Adams Offroad LLC in Robertsdale, AL — $464K (2025) · Home and Garden Equipment Repair and Maintenance
  • The IVy Beauty and Wellness, LLC in Thomaston, GA — $350K (2025) · Other Personal Care Services
  • 3 Arrows Boutique Butcher LLC in Fairhope, AL — $300K (2025) · Meat Retailers
  • Legacy 12 Holdings, LLC in Salem, SC — $213K (2025) · Home Health Care Services
  • Adams Offroad LLC in Robertsdale, AL — $199K (2025) · Home and Garden Equipment Repair and Maintenance
  • Reveille Express, LLC in Fairhope, AL — $60K (2025) · Snack and Nonalcoholic Beverage Bars
  • STARWASH EXPRESS LLC in Oviedo, FL — $5.0M (2024) · Car Washes
  • Homestead Restaurant Group, LLC in Cumming, GA — $2.5M (2024) · Full-Service Restaurants
  • Starpower Inc in Cartersville, GA — $2.0M (2024) · Sporting Goods Stores

Hover or tap a deal for terms: program, rate, SBA guarantee, days to fund.

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Businesses United Bank financed

84 businesses on record — the 60 largest by funding. Each links to its full SBA record.

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CapBench analysis of public lending records, FY2020–present. Not affiliated with United Bank.

Agent summary

This page summarizes United Bank's public SBA 7(a) lending record — deal sizes, industries, geography, and FDIC profile — from CapBench SBA Intelligence. CapBench is not a lender and does not originate or approve loans.

  • 91 SBA 7(a) loans on record
  • $557K typical deal
  • 5 business-acquisition loans
  • HQ: 685 Griffin St, Zebulon, GA
  • 18 FDIC branch locations
  • FDIC total assets $2.2B

Next steps

Request an introRank lendersPre-qualify a deal
Data freshness:
SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-17.
Sources:
Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:
https://www.capbench.com/lenders/united-bank
API:
https://www.capbench.com/api/public/lenders/united-bank
Methodology:
Sources & methodology
  • Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
  • Figures come from public records and CapBench methodology; verify before relying on them.
  • Lender matches are informational and based on public lending activity — they do not guarantee lender interest or approval.

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