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United Community Bank

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

Greenville, SC

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

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 139 banks in the $10B-$250B peer group nationwide — 1 of 1 in SC.
  • Deposits -1.3% year over year ($24.1B on the books).
  • Delinquency rate 0.51%.
  • Return on assets 1.40%.
  • Efficiency ratio 55.92% vs a 53.67% peer average.
  • Loan-to-deposit ratio 82.32% vs a 82.61% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

139 banks in the $10B-$250B peer group nationally 1 in SC
View $10B-$250B leaderboard (SC) →

United Community Bank has 1 strength but faces 5 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 0.50% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 23.7% in tier
  • - Credit Quality Pressure: Bottom 31.3% in tier
  • - Capital Thin: Bottom 40.0% in tier
  • - Net Interest Margin 0.24% below tier average
  • - Efficiency Ratio 2.25% above tier average
Get updates when United Community Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
Total Assets ? $29.0B
+3.4% YoY +3.1% QoQ
-$14.6B $43.6B
-13.8% YoY
$1.5B
+5.6% YoY
$6.3B
+7.7% YoY
61%
Total Loans ? $19.8B
+5.7% YoY +2.0% QoQ
-$8.1B $28.0B
-8.6% YoY
$1.0B
+7.6% YoY
$3.2B
+9.4% YoY
59%
Total Deposits ? $24.1B
-1.3% YoY -1.4% QoQ
-$11.3B $35.4B
-14.0% YoY
$1.3B
+2.8% YoY
$4.9B
+7.3% YoY
60%
Return on Assets ? 1.40%
+26.1% YoY +19.5% QoQ
+0.01% 1.39%
+25.9% YoY
1.14%
+28.2% YoY
1.30%
+12.1% YoY
64%
Net Interest Margin ? 3.68%
+6.2% YoY +0.4% QoQ
-0.24% 3.92%
+8.9% YoY
3.68%
+4.4% YoY
3.95%
+4.9% YoY
55%
Efficiency Ratio ? 55.92%
+2.5% YoY -0.3% QoQ
+2.25% 53.67%
-1.9% YoY
67.24%
-4.2% YoY
70.05%
+2.5% YoY
44%
Delinquency Rate ? 0.51%
+19.2% YoY +2.8% QoQ
-0.50% 1.01%
-2.8% YoY
0.46%
-16.5% YoY
0.98%
+16.3% YoY
69%
Loan-to-Deposit Ratio ? 82.32%
+7.1% YoY +3.4% QoQ
-0.29% 82.61%
+3.1% YoY
74.60%
+2.0% YoY
79.03%
+2.3% YoY
60%
Non-Interest-Bearing Deposit Share ? 27.03%
+1.8% YoY +0.9% QoQ
+6.45% 20.58%
+4.9% YoY
21.25%
-0.8% YoY
21.98%
-0.6% YoY
71%
Nonperforming Asset Ratio ? 0.36%
+19.8% YoY +1.7% QoQ
-0.37% 0.73%
+5.8% YoY
0.29%
-15.5% YoY
0.69%
+15.8% YoY
71%
Tier 1 Capital Ratio ? 12.09%
-4.0% YoY -0.8% QoQ
-3.26% 15.35%
-0.4% YoY
17.16%
+0.2% YoY
17.09%
+0.8% YoY
25%
Non-Interest Income / Assets ? 0.25%
+0.8% YoY +95.2% QoQ
-0.24% 0.50%
+10.5% YoY
0.29%
+23.1% YoY
0.66%
+5.2% YoY
35%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
Noninterest-Bearing 27.0%
+0.5pp YoY
+0.2pp QoQ
 +6.0pp 21.0% 21.7% 22.2% 70%
Brokered Deposits 0.7%
0.0pp YoY
0.0pp QoQ
 -8.6pp 9.2% 10.6% 8.5% 16%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
C&I 22.1%
0.0pp YoY
-0.1pp QoQ
 +4.9pp 17.2% 9.8% 12.5% 77%
CRE 50.4%
-0.5pp YoY
0.0pp QoQ
 +8.4pp 42.0% 43.3% 41.4% 65%
1-4 Family 25.2%
-0.9pp YoY
-0.3pp QoQ
 +2.1pp 23.1% 44.4% 31.3% 63%
Consumer 0.9%
0.0pp YoY
0.0pp QoQ
 -11.9pp 12.9% 4.5% 5.0% 37%

Capital

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
CET1 Ratio 12.1%
-0.5pp YoY
-0.1pp QoQ
 -3.2pp 15.3% 18.1% 19.7% 25%
Leverage Ratio 9.5%
0.0pp YoY
0.0pp QoQ
 -0.9pp 10.4% 12.3% 12.6% 32%
Total Capital Ratio 12.9%
-0.7pp YoY
-0.3pp QoQ
 -3.6pp 16.5% 19.1% 20.8% 14%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
Full-Time Employees 3,130
+92 (+3.0%) YoY
+23 (+0.7%) QoQ
 -128 3,258 174 482 71%
Assets per Employee ($) $9.3M
+0.3% YoY
+2.3% QoQ
 -$17.8M $27.0M $7.8M $8.8M 25%
Branch Count 190
-1 (-0.5%) YoY
-1 (-0.5%) QoQ
 +52 137 12 18 76%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.4% 0.0% 0.4% n/a
Nonaccrual 0.5%
+0.1pp YoY
0.0pp QoQ
 -0.2pp 0.7% 0.5% 1.0% 39%
Allowance Coverage 1.66x
-38.2% YoY
-22.8% QoQ
 -1.15x 2.81x 15.59x 20.23x 47%
Net Charge-off Rate (YTD) 0.2%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.4% 0.1% 0.2% 56%

Profitability

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
ROE 11.7%
+2.3pp YoY
+2.0pp QoQ
 -1.0pp 12.6% 11.7% 11.6% 55%
Cost of Funds (YTD) 1.6%
-0.3pp YoY
0.0pp QoQ
 -0.4pp 2.0% 1.6% 1.7% 30%
Net Income ($, YTD) $198.1M
+27.1% YoY
— QoQ
 -$98.7M $296.8M $9.6M $40.4M 61%

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 (3)

Credit Risk Growth

risk
#15 of 59 • Bottom 23.7% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

59 of 59 Large banks match · 1401 nationally
→ Stable -58 banks QoQ

Credit Quality Pressure

risk
#22 of 67 • Bottom 31.3% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.51%
(Tier: 1.01%, National: 0.98%)
better than tier avg
67 of 67 Large banks match · 1820 nationally
→ Stable -71 banks QoQ

Capital Thin

risk
#15 of 35 • Bottom 40.0% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 12.09%
(Tier: 15.35%, National: 17.09%)
worse than tier avg
35 of 35 Large banks match · 923 nationally
→ Stable

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).
Comparing against 139 peers in $10B-$250B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (0 metrics)

No weakness rankings available
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