| Metric | United Community Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.5% | +4.9% | -2.4 pts |
| Deposit growth (YoY) | +6.1% | +4.3% | +1.7 pts |
| Loan growth (YoY) | +0.9% | +5.3% | -4.4 pts |
| ROA | 1.70% | 1.28% | +0.4 pts |
| ROE | 12.0% | 12.4% | -0.4 pts |
ROA ranks in the 76th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $665.5M | $560.0M | $500.5M | $95.2M | $5.8M | 1.70% | 5.25% | 1.03% |
| Q1 2026 | $681.3M | $578.0M | $494.6M | $93.5M | $2.8M | 1.63% | 5.06% | 0.75% |
| Q4 2025 | $681.2M | $559.7M | $494.6M | $98.4M | $12.1M | 1.87% | 5.65% | 0.88% |
| Q3 2025 | $663.9M | $544.2M | $504.1M | $99.4M | $8.3M | 1.73% | 5.73% | 0.88% |
| Q2 2025 | $649.1M | $527.9M | $495.8M | $97.3M | $5.3M | 1.69% | 5.67% | 0.98% |
| Q1 2025 | $632.8M | $523.5M | $500.7M | $95.9M | $3.0M | 1.91% | 5.65% | 1.51% |
| Q4 2024 | $621.5M | $516.7M | $480.8M | $93.6M | $14.0M | 2.22% | 6.00% | 1.09% |
| Q3 2024 | $619.0M | $515.7M | $480.4M | $94.5M | $9.5M | 1.99% | 5.67% | 1.09% |
Loan mix (Q2 2026): real estate $418.0M · commercial $95.9M · consumer $3.0M · securities $43.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | United Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.70% | 1.28% | 76th | |
Return on equity Annualized net income ÷ equity or net worth | 12.0% | 12.4% | 47th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.25% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.7% | 61.2% | 73rd |
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 |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 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% |
The full ratio pack is part of CharterBench Pro.
11 branches in 5 counties across 1 state (+0 vs 2024) · $527.9M branch deposits. Biggest market: Lafourche, LA, ranked 2nd with 12.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Lafourche, LA | 4 | $275.1M | 12.38% | 2nd |
| Ascension, LA | 3 | $169.4M | 6.50% | 6th |
| East Baton Rouge, LA | 2 | $46.6M | 0.21% | 32nd |
| 2 more counties with Pro → | ||||
Louisiana: 45th with 0.36% · Houma-Bayou Cane-Thibodaux metro: 8th, 5.48% · Baton Rouge metro: 22nd, 0.72% ·
Branch count: 2022 10 · 2023 11 · 2024 11 · 2025 11