BlastPoint's Banking Scorecard

United Community Bank

$10B-$250B Specialty: Commercial SC FDIC cert 16889

Greenville, SC

191 branches across GA · NC · SC · TN · FL · AL

137 banks in the $10B-$250B peer group nationally 1 in SC

United Community Bank has 1 strength but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 0.52% below tier average

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 50.0% in tier
- ROA 0.11% below tier average
- Net Interest Margin 0.10% below tier average
- Efficiency Ratio 2.07% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
Total Assets ?	$28.1B +1.0% YoY +0.7% QoQ	-$18.8B	$47.0B -1.9% YoY	$1.5B +4.7% YoY	$6.2B +9.1% YoY	57%
Total Loans ?	$19.4B +6.5% YoY +1.2% QoQ	-$9.9B	$29.4B -0.4% YoY	$993.8M +7.7% YoY	$3.2B +10.8% YoY	56%
Total Deposits ?	$24.4B +0.7% YoY +1.2% QoQ	-$14.0B	$38.4B -1.6% YoY	$1.3B +4.0% YoY	$4.8B +8.2% YoY	58%
Return on Assets ?	1.17% +8.8% YoY -1.4% QoQ	-0.11%	1.28% +18.7% YoY	1.18% +45.0% YoY	1.23% +13.4% YoY	47%
Net Interest Margin ?	3.67% +7.5% YoY +2.0% QoQ	-0.10%	3.77% +5.8% YoY	3.64% +5.2% YoY	3.89% +5.7% YoY	57%
Efficiency Ratio ?	56.08% +2.8% YoY +4.3% QoQ	+2.07%	54.01% -3.7% YoY	67.38% -5.7% YoY	66.95% -4.1% YoY	47%
Delinquency Rate ?	0.50% -0.6% YoY +5.0% QoQ	-0.52%	1.02% -3.8% YoY	0.54% +11.8% YoY	0.95% +18.8% YoY	68%
Loan-to-Deposit Ratio ?	79.60% +5.7% YoY -0.0% QoQ	-1.19%	80.79% +1.9% YoY	73.64% +1.6% YoY	76.70% +0.9% YoY	65%
Non-Interest-Bearing Deposit Share ?	26.79% +2.4% YoY +2.2% QoQ	+6.75%	20.04% +0.2% YoY	20.84% -0.7% YoY	22.01% -1.2% YoY	70%
Nonperforming Asset Ratio ?	0.36% +3.4% YoY +7.1% QoQ	-0.37%	0.72% +4.2% YoY	0.34% +10.8% YoY	0.67% +19.3% YoY	68%
Tier 1 Capital Ratio ?	12.19% -3.9% YoY -1.2% QoQ	-3.33%	15.51% -0.4% YoY	17.50% +3.0% YoY	17.06% +0.8% YoY	29%
Non-Interest Income / Assets ?	0.13% +1.9% YoY -75.7% QoQ	-0.09%	0.22% +0.3% YoY	0.17% +48.2% YoY	0.32% +4.1% YoY	39%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Flatlined Growth

risk

#13 of 24 • Bottom 50.0% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 1.17%

(Tier: 1.28%, National: 1.23%)

worse than tier avg

24 of 24 Large banks match · 687 nationally

→ Stable +32 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 137 peers in $10B-$250B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (0 metrics)

No weakness rankings available