A Word from President Michael R. Vincent

2025 was a year of deliberate investment. United Bank completed the implementation of new core and digital banking platforms. This effort required coordination across every part of our organization, with careful attention to the customers and communities who depend on us every day.

That work positions us well. Modern infrastructure gives us the ability to operate more efficiently, reduce manual processes, and expand the ways customers bank with us across both branch and digital channels. It also opens the door to new products and services as customer needs continue to evolve.

What it does not change is what has always defined United Bank. Our strength is our people. Personal service, local decision-making, and trusted relationships remain at the heart of how we operate. That will not change as our capabilities grow.

United Bank also delivered solid financial performance in 2025, reflecting a strong balance sheet and the continued confidence of our customers and communities. A summary of the bank’s financial results is included in this report.

Looking ahead, we will continue pursuing disciplined growth through responsible lending, strong deposit relationships, and expanded services. We also remain open to strategic acquisitions when they align with our long-term vision and strengthen our ability to serve the markets where we operate.

Through our work as a Community Development Financial Institution and through UB Community Development, we remain committed to economic development, affordable housing, and the kinds of projects that create lasting opportunity across our region.

For more than a century, United Bank has served this region with stability, integrity, and personal service. The investments made in 2025 ensure we are prepared to carry that forward.

I want to thank our Board of Directors for their leadership and their commitment to the long-term success of our bank — and to thank you for the trust you place in us.