| Metric | United Community Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.1% | +4.4% | -3.3 pts |
| Deposit growth (YoY) | +7.7% | +4.0% | +3.8 pts |
| Loan growth (YoY) | -0.8% | +5.6% | -6.4 pts |
| ROA | 1.12% | 1.24% | -0.1 pts |
| ROE | 12.4% | 11.9% | +0.5 pts |
ROA ranks in the 43rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $290.0M | $232.7M | $208.5M | $26.6M | $1.6M | 1.12% | 3.20% | 1.10% |
| Q1 2026 | $284.5M | $238.6M | $197.5M | $26.0M | $740K | 1.03% | 3.12% | 1.05% |
| Q4 2025 | $289.3M | $241.4M | $194.2M | $25.7M | $2.2M | 0.80% | 2.83% | 1.04% |
| Q3 2025 | $284.6M | $233.2M | $209.6M | $25.2M | $1.7M | 0.80% | 2.79% | 1.42% |
| Q2 2025 | $287.0M | $216.1M | $210.2M | $24.4M | $973K | 0.70% | 2.73% | 1.08% |
| Q1 2025 | $276.5M | $225.8M | $203.6M | $23.8M | $472K | 0.69% | 2.71% | 1.15% |
| Q4 2024 | $269.1M | $226.5M | $199.0M | $23.1M | $1.3M | 0.49% | 2.35% | 1.19% |
| Q3 2024 | $271.3M | $224.5M | $202.1M | $23.1M | $882K | 0.43% | 2.31% | 1.20% |
Loan mix (Q2 2026): real estate $139.0M · commercial $11.3M · consumer $2.0M · securities $47.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | United Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.12% | 1.24% | 43th | |
Return on equity Annualized net income ÷ equity or net worth | 12.4% | 11.9% | 53th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.20% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
16th |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.9% | 62.9% | 44th |
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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