United Community Bank
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
$29.0BAssets
$20.0BLoans
$24.1BDeposits
$3.4BEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 70% of banks over $10B in assets (rank 43 of 142).
- Widest gap: total risk-based capital ratio trails 87% of banks over $10B in assets (rank 125 of 144).
- Overall: at or above the peer median on 5 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $477.0M · efficiency ratio beats 44% of banks over $10B in assets | 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 |