BlastPoint's Banking Scorecard
United Community Bank
Greenville, SC
190 branches across GA · NC · SC · TN · FL · AL
United Community Bank has 1 strength but faces 4 concerns
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 2.18% above tier average
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
|
-$19.2B |
$47.4B
-2.0% YoY
|
$1.5B
+4.7% YoY
|
$6.2B
+9.0% YoY
|
57% |
| Total Loans ? |
$19.4B
+6.5% YoY
+1.2% QoQ
|
-$10.2B |
$29.6B
-0.4% YoY
|
$993.8M
+7.7% YoY
|
$3.2B
+10.7% YoY
|
56% |
| Total Deposits ? |
$24.4B
+0.7% YoY
+1.2% QoQ
|
-$14.3B |
$38.7B
-1.6% YoY
|
$1.3B
+4.0% YoY
|
$4.8B
+8.0% YoY
|
58% |
| Return on Assets ? |
1.17%
+8.8% YoY
-1.4% QoQ
|
-0.11% |
1.28%
+19.3% YoY
|
1.18%
+45.0% YoY
|
1.24%
+13.1% YoY
|
46% |
| Net Interest Margin ? |
3.67%
+7.5% YoY
+2.0% QoQ
|
-0.10% |
3.77%
+5.6% YoY
|
3.64%
+5.2% YoY
|
3.89%
+5.7% YoY
|
58% |
| Efficiency Ratio ? |
56.08%
+2.8% YoY
+4.3% QoQ
|
+2.18% |
53.90%
-4.0% YoY
|
67.38%
-5.7% YoY
|
66.84%
-3.8% YoY
|
46% |
| Delinquency Rate ? |
0.50%
-0.6% YoY
+5.0% QoQ
|
-0.52% |
1.02%
-4.1% YoY
|
0.54%
+11.8% YoY
|
0.95%
+18.8% YoY
|
67% |
| Loan-to-Deposit Ratio ? |
79.60%
+5.7% YoY
-0.0% QoQ
|
-1.28% |
80.88%
+2.0% YoY
|
73.64%
+1.6% YoY
|
76.69%
+0.9% YoY
|
65% |
| Non-Interest-Bearing Deposit Share ? |
26.79%
+2.4% YoY
+2.2% QoQ
|
+6.97% |
19.82%
+0.3% YoY
|
20.84%
-0.7% YoY
|
22.01%
-1.1% YoY
|
71% |
| Nonperforming Asset Ratio ? |
0.36%
+3.4% YoY
+7.1% QoQ
|
-0.37% |
0.73%
+4.0% YoY
|
0.34%
+10.8% YoY
|
0.66%
+19.3% YoY
|
67% |
| Tier 1 Capital Ratio ? |
12.19%
-3.9% YoY
-1.2% QoQ
|
-3.37% |
15.56%
-0.1% YoY
|
17.50%
+3.0% YoY
|
17.06%
+0.8% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.13%
+1.9% YoY
-75.7% QoQ
|
-0.10% |
0.23%
+0.9% YoY
|
0.17%
+48.2% YoY
|
0.32%
+4.0% YoY
|
39% |
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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 (0)
Concerns (1)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.