Greenville, SC · Cert 16889 · United Community Banks Inc.
State charter, Fed member · FED · 190 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks over $10B in assets (n=142 to 144). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
33
Asset Quality
57
Profitability
57
Liquidity
91
Efficiency
44
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Greenville, SC · Cert 16889 · United Community Banks Inc.
State charter, Fed member · FED · 190 branches
Q2 2026
Market Position · Atlanta-Sandy Springs-Roswell, GA · 2026 SOD (annual) · 2.1% share · #10 of 81 inst. · $5.5B of $255.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.92% | 0.96% | 1.08% | 1.12% | 1.18% | 1.19% | 1.17% | 1.40% | +28 bps | |
| Return on Equity | 7.76% | 8.10% | 9.10% | 9.43% | 9.89% | 9.98% | 9.67% | 11.65% | +222 bps | |
| Net Interest Margin | 3.17% | 3.10% | 3.18% | 3.25% | 3.32% | 3.33% | 3.43% | 3.45% | +20 bps | |
| Efficiency Ratio | 58.35% | 57.33% | 54.58% | 54.54% | 54.03% | 53.77% | 56.08% | 55.92% | +138 bps | |
| Non-Interest Burden | 1.69% | 1.60% | 1.49% | 1.53% | 1.54% | 1.53% | 1.67% | 1.68% | +15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.89% | 1.52% | 1.93% | 3.87% | 2.87% | 0.99% | 1.03% | 3.37% | -50 bps | |
| Loan Growth (YoY) | -1.24% | -0.64% | 0.27% | 3.82% | 6.64% | 6.53% | 6.39% | 5.43% | +161 bps | |
| Deposit Growth (YoY) | 1.82% | 0.47% | 2.14% | 4.15% | 2.98% | 1.19% | 0.72% | -1.29% | -544 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.62% | 0.62% | 0.49% | 0.42% | 0.50% | 0.47% | 0.49% | 0.51% | +8 bps | |
| Net Charge-Offs / Loans | 0.36% | 0.32% | 0.21% | 0.19% | 0.18% | 0.22% | 0.21% | 0.18% | -1 bps | |
| Allowance / Loans | 1.14% | 1.14% | 1.15% | 1.14% | 1.12% | 1.08% | 1.06% | 0.84% | -30 bps | |
| Allowance Coverage of NPLs | 1.8x | 1.8x | 2.3x | 2.7x | 2.2x | 2.3x | 2.2x | 1.7x | -1.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.62% | 9.46% | 9.37% | 9.48% | 9.52% | 9.42% | 9.50% | 9.52% | +4 bps | |
| Total Risk-Based Capital | 14.08% | 14.08% | 13.74% | 13.66% | 13.53% | 13.37% | 13.21% | 12.93% | -73 bps | |
| Equity / Assets | 12.01% | 11.87% | 11.77% | 11.98% | 12.04% | 12.14% | 12.05% | 11.81% | -17 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.99% | 76.44% | 76.16% | 77.74% | 78.69% | 80.48% | 80.45% | 83.03% | +529 bps | |
| Liquid Assets / Assets | 10.27% | 8.89% | 9.43% | 8.90% | 9.04% | 8.25% | 8.58% | 8.21% | -70 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 373% | 375% | 380% | n/a | n/a | |
Greenville, SC · Cert 16889 · Peer group: banks over $10B in assets (n=142-144) · United Community Banks Inc.
State charter, Fed member · FED · 190 branches
Q2 2026
Return on Assets
1.37%
Rank 56 of 144
Net Interest Margin
3.45%
Rank 60 of 144
Efficiency Ratio
57.02%
Rank 81 of 144
Equity / Assets
11.81%
Rank 56 of 144
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.37% | 1.00% | 1.26% | 1.54% | Beats 61% | 56 / 144 | ||
| Return on Equity | 11.58% | 8.98% | 11.34% | 14.40% | Beats 53% | 68 / 144 | ||
| Net Interest Margin | 3.45% | 2.82% | 3.31% | 3.68% | Beats 58% | 60 / 144 | ||
| Efficiency Ratio | 57.02% | 49.42% | 56.02% | 62.41% | Beats 44% | 81 / 144 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.51% | 0.48% | 0.73% | 1.07% | Beats 70% | 43 / 142 | ||
| Net Charge-Offs / Loans | 0.14% | 0.05% | 0.11% | 0.22% | Beats 43% | 82 / 142 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.09% | 12.07% | 12.98% | 14.92% | Beats 26% | 107 / 144 | ||
| Total Risk-Based Capital Ratio | 12.93% | 13.39% | 14.14% | 16.25% | Beats 13% | 125 / 144 | ||
| Equity / Assets | 11.81% | 9.69% | 11.39% | 12.96% | Beats 61% | 56 / 144 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 83.03% | 75.72% | 84.92% | 91.56% | 42nd pctl | 83 / 143 | ||
| Loans / Assets | 68.95% | 59.83% | 69.07% | 74.80% | 47th pctl | 76 / 144 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||