A Word from President Mike Vincent

Our story started in 1904 with just $45,000 in assets and a mission to serve rural farm families. Now, 121 years later, we’ve grown into a $1.4 billion community bank, proudly serving individuals, small businesses, commercial clients, farmers and non-profits across our Alabama and Florida markets. While our size and capabilities have evolved, our commitment to people and community remains the core of our mission.

Striving for excellence drives everything we do – from the decisions we make to the actions we take. By maintaining a disciplined approach, embracing innovation, and staying responsive to the evolving needs of our customers, we continue to drive sustainable growth and financial stability.

Excellence, performance, and strategic investment continue to lead to our success. From providing affordable home and business loans to enhancing digital banking conveniences, we are dedicated to offering comprehensive financial solutions that empower local growth and financial well-being. As a Community Development Financial Institution (CDFI) and through affiliates like UB Community Development (UBCD), we are furthering our mission to expand economic opportunities and strengthen the communities we serve.

This Annual Report outlines our financial performance, the strategic investments fueling our growth, and the steps we are taking to position United Bancorporation for the future. By building on our solid foundation and embracing innovation, we are not just preparing our next chapter – but shaping it.

Thank you for your trust and partnership as we continue moving forward together.