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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.16% | 1.29% | 1.24% | 1.17% | 1.63% | +46 bps | |
| Return on Equity | 9.81% | 10.75% | 10.24% | 9.67% | 13.65% | +384 bps | |
| Net Interest Margin | 3.35% | 3.45% | 3.48% | 3.43% | 3.50% | +16 bps | |
| Efficiency Ratio | 54.51% | 53.06% | 53.03% | 56.08% | 55.76% | +125 bps | |
| Non-Interest Burden | 1.58% | 1.55% | 1.57% | 1.67% | 1.70% | +12 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.87% | 2.87% | 0.99% | 1.03% | 3.37% | -50 bps | |
| Loan Growth (YoY) | 3.82% | 6.64% | 6.53% | 6.39% | 5.43% | +161 bps | |
| Deposit Growth (YoY) | 4.15% | 2.98% | 1.19% | 0.72% | -1.29% | -544 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.42% | 0.50% | 0.47% | 0.49% | 0.51% | +8 bps | |
| Net Charge-Offs / Loans | 0.17% | 0.16% | 0.34% | 0.21% | 0.16% | -2 bps | |
| Allowance / Loans | 1.14% | 1.12% | 1.08% | 1.06% | 0.84% | -30 bps | |
| Allowance Coverage of NPLs | 2.7x | 2.2x | 2.3x | 2.2x | 1.7x | -1.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.48% | 9.52% | 9.42% | 9.50% | 9.52% | +4 bps | |
| Total Risk-Based Capital | 13.66% | 13.53% | 13.37% | 13.21% | 12.93% | -73 bps | |
| Equity / Assets | 11.98% | 12.04% | 12.14% | 12.05% | 11.81% | -17 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 77.74% | 78.69% | 80.48% | 80.45% | 83.03% | +529 bps | |
| Liquid Assets / Assets | 8.90% | 9.04% | 8.25% | 8.58% | 8.21% | -70 bps | |
| CRE / Total Capital | n/a | 373% | 375% | 380% | n/a | n/a | |