United Community Bank
Total assets
$28.99B
▲ +3.4% YoY
Deposits
$24.07B
▼ -1.3% YoY
Loans
$19.82B
▲ +5.7% YoY
Offices
192
UNITED COMMUNITY BANKS INC
ROA (annualized)
1.40%
peers 1.23%
ROE (annualized)
11.65%
peers 11.23%
Peer comparison 160 banks with 10B+ in assets
| Metric | United Community Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.4% | +5.9% | -2.5 pts |
| Deposit growth (YoY) | -1.3% | +5.7% | -7.0 pts |
| Loan growth (YoY) | +5.7% | +6.9% | -1.2 pts |
| ROA | 1.40% | 1.23% | +0.2 pts |
| ROE | 11.7% | 11.2% | +0.4 pts |
ROA ranks in the 67th percentile of its peer group · Q2 2026
Profile
- Established
- 1950
- Charter
- State
- Primary regulator
- FED
- Holding company
- UNITED COMMUNITY BANKS INC
- Specialization
- Commercial Lending Specialization
- Address
- 200 E Camperdown Way, Greenville, SC, 29601
- County
- Greenville
- Metro area
- Greenville-Anderson, SC
- Offices
- 192
- FDIC cert #
- 16889
- RSSD ID
- 1017939
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $28.99B | $24.07B | $19.82B | $3.42B | $198.1M | 1.40% | 3.68% | 0.36% |
| Q1 2026 | $28.11B | $24.42B | $19.43B | $3.39B | $82.0M | 1.17% | 3.67% | 0.36% |
| Q4 2025 | $27.93B | $24.14B | $19.21B | $3.39B | $333.1M | 1.19% | 3.60% | 0.33% |
| Q3 2025 | $28.09B | $24.41B | $18.99B | $3.38B | $246.5M | 1.17% | 3.54% | 0.35% |
| Q2 2025 | $28.04B | $24.39B | $18.74B | $3.36B | $155.9M | 1.11% | 3.47% | 0.30% |
| Q1 2025 | $27.83B | $24.24B | $18.25B | $3.28B | $74.6M | 1.08% | 3.41% | 0.34% |
| Q4 2024 | $27.66B | $23.85B | $18.03B | $3.28B | $261.9M | 0.96% | 3.40% | 0.43% |
| Q3 2024 | $27.30B | $23.71B | $17.81B | $3.28B | $187.5M | 0.92% | 3.39% | 0.43% |
Loan mix (Q2 2026): real estate $15.03B · commercial $4.38B · consumer $185.7M · securities $6.27B
Ratio pack Q2 2026 · peer medians from 160 institutions
Profitability
| Ratio | United Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.40% | 1.23% | 67th | |
Return on equity Annualized net income ÷ equity or net worth | 11.7% | 11.3% | 53th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.68% | 3.55% | 59th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.9% | 54.9% | 58th | |
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% |
Balance sheet
| 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% |
Capital
| 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% |
Credit quality
| 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% |
Franchise
| 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% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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