| Metric | United Community Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.4% | +5.5% | +0.9 pts |
| Deposit growth (YoY) | +9.6% | +5.1% | +4.6 pts |
| Loan growth (YoY) | +8.3% | +5.9% | +2.4 pts |
| ROA | 1.32% | 1.26% | +0.1 pts |
| ROE | 13.1% | 12.2% | +0.9 pts |
ROA ranks in the 56th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $4.13B | $3.59B | $2.64B | $428.4M | $27.1M | 1.32% | 3.03% | 0.26% |
| Q1 2026 | $4.17B | $3.53B | $2.54B | $410.5M | $12.6M | 1.22% | 2.90% | 0.21% |
| Q4 2025 | $4.09B | $3.44B | $2.57B | $402.8M | $50.2M | 1.27% | 3.00% | 0.18% |
| Q3 2025 | $3.97B | $3.33B | $2.52B | $399.0M | $37.2M | 1.27% | 2.98% | 0.20% |
| Q2 2025 | $3.88B | $3.27B | $2.44B | $379.2M | $24.2M | 1.25% | 2.97% | 0.17% |
| Q1 2025 | $3.91B | $3.32B | $2.42B | $361.6M | $10.6M | 1.09% | 2.86% | 0.23% |
| Q4 2024 | $3.86B | $3.30B | $2.40B | $349.4M | $39.8M | 1.10% | 2.96% | 0.18% |
| Q3 2024 | $3.64B | $3.10B | $2.28B | $348.8M | $28.9M | 1.09% | 2.98% | 0.23% |
Loan mix (Q2 2026): real estate $1.98B · commercial $394.2M · consumer $29.4M · securities $888.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | United Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.32% | 1.26% | 56th | |
Return on equity Annualized net income ÷ equity or net worth | 13.1% | 12.2% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.03% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.4% | 59.0% | 33th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | United Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | United Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | United Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | United Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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