BlastPoint's Banking Scorecard

United Community Bank

$100M-$1B Specialty: Commercial LA FDIC cert 19143

Raceland, LA

11 branches across LA

2664 banks in the $100M-$1B peer group nationally 74 in LA

United Community Bank has 3 strengths but faces 2 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

+ Deposit Franchise: Top 64.3% in tier
+ ROA 0.36% above tier average
+ Delinquency Rate 0.48% below tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 64.3% in tier
- Efficiency Ratio 4.22% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Total Assets ?	$681.3M +7.7% YoY +0.0% QoQ	+$295.2M	$386.1M +0.5% YoY	$784.8M +7.0% YoY	$6.2B +9.1% YoY	Top 13.4% in tier
Total Loans ?	$494.6M -1.2% YoY 0% QoQ	+$238.9M	$255.7M +1.1% YoY	$523.7M +4.0% YoY	$3.2B +10.8% YoY	Top 11.6% in tier
Total Deposits ?	$578.0M +10.4% YoY +3.3% QoQ	+$250.0M	$328.0M +0.1% YoY	$671.5M +6.9% YoY	$4.8B +8.2% YoY	Top 14.0% in tier
Return on Assets ?	1.63% -14.9% YoY -12.8% QoQ	+0.36%	1.27% +12.9% YoY	1.24% +12.4% YoY	1.23% +13.4% YoY	74%
Net Interest Margin ?	5.06% -10.5% YoY -10.5% QoQ	+1.13%	3.93% +6.0% YoY	4.12% +1.2% YoY	3.89% +5.7% YoY	Top 6.4% in tier
Efficiency Ratio ?	69.51% +6.7% YoY +4.4% QoQ	+4.22%	65.29% -4.5% YoY	70.37% -1.0% YoY	66.95% -4.1% YoY	33%
Delinquency Rate ?	0.41% -65.2% YoY -31.2% QoQ	-0.48%	0.89% +18.8% YoY	1.51% +4.5% YoY	0.95% +18.8% YoY	50%
Loan-to-Deposit Ratio ?	85.58% -10.5% YoY -3.2% QoQ	+8.94%	76.64% +0.8% YoY	75.16% -1.5% YoY	76.70% +0.9% YoY	33%
Non-Interest-Bearing Deposit Share ?	29.00% -7.5% YoY +6.1% QoQ	+6.98%	22.02% -1.0% YoY	24.55% -1.4% YoY	22.01% -1.2% YoY	79%
Nonperforming Asset Ratio ?	0.75% -50.5% YoY -15.2% QoQ	+0.11%	0.64% +19.7% YoY	1.07% +4.2% YoY	0.67% +19.3% YoY	28%
Tier 1 Capital Ratio ?	14.11% -11.3% YoY -3.0% QoQ	-1.72%	15.83% +1.5% YoY	16.56% +0.4% YoY	17.06% +0.8% YoY	58%
Non-Interest Income / Assets ?	0.19% +88.1% YoY -61.3% QoQ	-0.09%	0.28% +9.3% YoY	0.11% -17.3% YoY	0.32% +4.1% YoY	83%

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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 (1)

Deposit Franchise

growth

#176 of 272 • Top 64.3% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 29.00%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 5.06%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ

Concerns (1)

Margin Compression

decline

#197 of 305 • Bottom 64.3% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.63%

(Tier: 1.27%, National: 1.23%)

better than tier avg

305 of 305 Community banks match · 407 nationally

↑ Growing +94 banks QoQ | QoQ rank declining

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 2664 peers in $100M-$1B

Top Strengths (6 metrics)

171

Net Interest Margin

profitability

Value: 5.06%

Peer Median: 3.93%

#171 of 2664 Top 6.4% in $100M-$1B

309

Total Loans

size

Value: $494.62M

Peer Median: $255.72M

#309 of 2664 Top 11.6% in $100M-$1B

359

Total Assets

size

Value: $681.32M

Peer Median: $386.08M

#359 of 2664 Top 13.4% in $100M-$1B

375

Total Deposits

size

Value: $577.99M

Peer Median: $327.97M

#375 of 2664 Top 14.0% in $100M-$1B

453

Non-Interest Income / Assets

revenue_mix

Value: 0.19%

Peer Median: 0.28%

#453 of 2664 Top 17.0% in $100M-$1B

552

Non-Interest-Bearing Deposit Share

funding

Value: 29.00%

Peer Median: 22.02%

#552 of 2664 Top 20.7% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available