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United Community Bank

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

Raceland, LA

11 branches across LA

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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 73 in LA.
  • Deposits +6.1% year over year ($560.0M on the books).
  • Delinquency rate 0.75%.
  • Return on assets 1.70%.
  • Efficiency ratio 69.67% vs a 64.48% peer average.
  • Loan-to-deposit ratio 89.37% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 73 in LA
View $100M-$1B leaderboard (LA) →

United Community Bank has 4 strengths but faces 3 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

  • + Revenue Diversifier: Top 46.6% in tier
  • + Net Interest Margin 1.26% above tier average
  • + ROA 0.38% above tier average
  • + Delinquency Rate 0.17% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 2.5% in tier
  • - Credit Quality Pressure: Bottom 40.2% in tier
  • - Efficiency Ratio 5.19% 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 (LA) National Avg Tier Percentile
Total Assets ? $665.5M
+2.5% YoY -2.3% QoQ
+$279.0M $386.6M
+1.2% YoY
$799.3M
+7.8% YoY
$6.3B
+7.7% YoY
Top 14.4% in tier
Total Loans ? $500.5M
+0.9% YoY +1.2% QoQ
+$242.1M $258.3M
+1.7% YoY
$538.5M
+5.3% YoY
$3.2B
+9.4% YoY
Top 11.3% in tier
Total Deposits ? $560.0M
+6.1% YoY -3.1% QoQ
+$233.2M $326.7M
+0.7% YoY
$677.9M
+7.3% YoY
$4.9B
+7.3% YoY
85%
Return on Assets ? 1.70%
+1.0% YoY +4.5% QoQ
+0.38% 1.32%
+10.8% YoY
1.37%
+23.6% YoY
1.30%
+12.1% YoY
76%
Net Interest Margin ? 5.25%
-7.4% YoY +3.8% QoQ
+1.26% 3.99%
+5.0% YoY
4.15%
+0.0% YoY
3.95%
+4.9% YoY
Top 4.8% in tier
Efficiency Ratio ? 69.67%
+1.0% YoY +0.2% QoQ
+5.19% 64.48%
-3.2% YoY
69.40%
-0.9% YoY
70.05%
+2.5% YoY
31%
Delinquency Rate ? 0.75%
+26.0% YoY +84.0% QoQ
-0.17% 0.92%
+15.7% YoY
1.53%
+7.9% YoY
0.98%
+16.3% YoY
36%
Loan-to-Deposit Ratio ? 89.37%
-4.8% YoY +4.4% QoQ
+11.42% 77.95%
+1.0% YoY
77.15%
-1.0% YoY
79.03%
+2.3% YoY
27%
Non-Interest-Bearing Deposit Share ? 27.60%
-6.2% YoY -4.9% QoQ
+5.57% 22.03%
-0.6% YoY
24.65%
+0.5% YoY
21.98%
-0.6% YoY
75%
Nonperforming Asset Ratio ? 1.03%
+5.3% YoY +37.3% QoQ
+0.36% 0.67%
+16.4% YoY
1.11%
+4.1% YoY
0.69%
+15.8% YoY
20%
Tier 1 Capital Ratio ? 14.47%
-7.8% YoY +2.6% QoQ
-1.44% 15.91%
+1.4% YoY
17.35%
+5.4% YoY
17.09%
+0.8% YoY
61%
Non-Interest Income / Assets ? 0.43%
+165.2% YoY +130.9% QoQ
-0.14% 0.57%
+7.6% YoY
0.33%
+19.6% YoY
0.66%
+5.2% YoY
Top 12.6% in tier

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 (LA) National Avg Tier Percentile
Noninterest-Bearing 27.6%
-1.8pp YoY
-1.4pp QoQ
 +5.4pp 22.1% 24.6% 22.2% 75%
Brokered Deposits n/a n/a 7.9% 6.7% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
C&I 19.2%
-2.3pp YoY
-0.5pp QoQ
 +7.6pp 11.6% 12.6% 12.5% 86%
CRE 72.2%
+1.5pp YoY
-0.1pp QoQ
 +32.7pp 39.5% 44.9% 41.4% 94%
1-4 Family 11.3%
+0.5pp YoY
+0.6pp QoQ
 -21.3pp 32.6% 34.2% 31.3% 13%
Consumer 0.6%
+0.1pp YoY
0.0pp QoQ
 -3.5pp 4.1% 4.2% 5.0% 18%

Capital

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 22.5% 19.7% n/a
Leverage Ratio 14.5%
-1.2pp YoY
+0.4pp QoQ
 +2.3pp 12.2% 13.4% 12.6% 84%
Total Capital Ratio n/a n/a 19.9% 23.6% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Full-Time Employees 131
+3 (+2.3%) YoY
0 QoQ
 +72 58 114 482 95%
Assets per Employee ($) $5.1M
+0.2% YoY
-2.3% QoQ
 -$2.4M $7.5M $6.8M $8.8M 16%
Branch Count 11
0 YoY
0 QoQ
 +6 4 9 18 93%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Past Due 90+ Days 0.4%
+0.3pp YoY
+0.4pp QoQ
 0.0pp 0.3% 0.4% 0.4% 77%
Nonaccrual 0.4%
-0.2pp YoY
0.0pp QoQ
 -0.5pp 0.9% 1.4% 1.0% 47%
Allowance Coverage 4.24x
-24.9% YoY
-46.3% QoQ
 -19.91x 24.15x 27.36x 20.23x 66%
Net Charge-off Rate (YTD) 0.2%
+0.2pp YoY
-0.2pp QoQ
 0.0pp 0.1% 0.1% 0.2% 83%

Profitability

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
ROE 12.0%
+0.8pp YoY
+0.5pp QoQ
 -0.2pp 12.2% 12.5% 11.6% 50%
Cost of Funds (YTD) 1.5%
+0.2pp YoY
-0.1pp QoQ
 -0.2pp 1.7% 1.7% 1.7% 35%
Net Income ($, YTD) $5.8M
+7.6% YoY
— QoQ
 +$3.2M $2.6M $5.1M $40.4M 91%

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)

Revenue Diversifier

growth
#309 of 661 • Top 46.6% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.43%
(Tier: 0.57%, National: 0.66%)
but worse than tier avg
Return on Assets: 1.70%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (2)

Credit Risk Growth

risk
#24 of 936 • Bottom 2.5% in tier

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

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ

Credit Quality Pressure

risk
#506 of 1256 • Bottom 40.2% in tier

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

Why this signature
Delinquency Rate: 0.75%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ

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 2643 peers in $100M-$1B

Top Strengths (6 metrics)

129
Net Interest Margin
profitability
Value: 5.25%
Peer Median: 3.99%
#129 of 2643 Top 4.8% in $100M-$1B
299
Total Loans
size
Value: $500.47M
Peer Median: $258.35M
#299 of 2643 Top 11.3% in $100M-$1B
335
Non-Interest Income / Assets
revenue_mix
Value: 0.43%
Peer Median: 0.57%
#335 of 2643 Top 12.6% in $100M-$1B
382
Total Assets
size
Value: $665.54M
Peer Median: $386.57M
#382 of 2643 Top 14.4% in $100M-$1B
402
Total Deposits
size
Value: $559.97M
Peer Median: $326.73M
#402 of 2643 Top 15.2% in $100M-$1B
640
Return on Assets
profitability
Value: 1.70%
Peer Median: 1.32%
#640 of 2643 Top 24.2% in $100M-$1B

Top Weaknesses (1 metrics)

2127
Nonperforming Asset Ratio
credit_quality
Value: 1.03%
Peer Median: 0.67%
#2127 of 2643 Bottom 19.6% in $100M-$1B
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