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BDI
UC

United Community Bank

Greenville, South CarolinaFDIC Cert #16889

STATEEstablished 1950192 branches

Holding company: UNITED COMMUNITY BANKS INCRegulator: FED

FDICCERT + OFFDOM

Profitability, margin & efficiency

Performance

Returns, spread economics, operating efficiency, and growth viewed against this bank's official FFIEC UBPR peers.

As of Q1 2026

Returns & margin

Annualized returns and the economics of earning assets and paid funding.

ROA
1.17%
+8.8%y/y
Peer standing47th percentile
Peer standing in FFIEC UBPR Peer Group 2 — Insured commercial banks having assets between $10 billion and $100 billion
FDICNETINC + ROA
ROE
9.67%
+6.3%y/y
Peer standing45th percentile
Peer standing in FFIEC UBPR Peer Group 2 — Insured commercial banks having assets between $10 billion and $100 billion
FDICNETINC + ROE
Pretax ROA
1.49%
+9.4%y/y
Peer standing45th percentile
Peer standing in FFIEC UBPR Peer Group 2 — Insured commercial banks having assets between $10 billion and $100 billion
FDICPTAXNETINC + ASSET
NIM
3.67%
+7.5%y/y
Peer standing57th percentile
Peer standing in FFIEC UBPR Peer Group 2 — Insured commercial banks having assets between $10 billion and $100 billion
FDICNIM + NIMY
Earning yield
5.26%
−1.7%y/y
Peer standing46th percentile
Peer standing in FFIEC UBPR Peer Group 2 — Insured commercial banks having assets between $10 billion and $100 billion
FDICINTINCY
IB deposit cost
2.25%
−16.9%y/y
Peer standing72nd percentile
Peer standing in FFIEC UBPR Peer Group 2 — Insured commercial banks having assets between $10 billion and $100 billion
FDICEINTEXP + DEPIDOM

Efficiency & growth

Operating productivity and year-over-year balance-sheet momentum.

Efficiency
56.08%
+2.8%y/y
Peer standing47th percentile
Peer standing in FFIEC UBPR Peer Group 2 — Insured commercial banks having assets between $10 billion and $100 billion
FDICNONIX + NIM + NONII + EEFFR
Expense/assets
2.20%
+9.6%y/y
Peer standing50th percentile
Peer standing in FFIEC UBPR Peer Group 2 — Insured commercial banks having assets between $10 billion and $100 billion
FDICNONIX + ASSET
Fee share
13.57%
−4.8%y/y
Percentile by value39th percentileby value
Peer standing in FFIEC UBPR Peer Group 2 — Insured commercial banks having assets between $10 billion and $100 billion
FDICNONII + NIM
Assets YoY
+1.03%
−46.5%y/y
Percentile by value20th percentileby value
Peer standing in FFIEC UBPR Peer Group 2 — Insured commercial banks having assets between $10 billion and $100 billion
FDICASSET
Deposits YoY
+0.72%
−66.4%y/y
Percentile by value23rd percentileby value
Peer standing in FFIEC UBPR Peer Group 2 — Insured commercial banks having assets between $10 billion and $100 billion
FDICDEP
Loans YoY
+6.49%
+2,325.2%y/y
Percentile by value50th percentileby value
Peer standing in FFIEC UBPR Peer Group 2 — Insured commercial banks having assets between $10 billion and $100 billion
FDICLNLSNET

How this bank compares

Switch cohorts or expand any row to inspect the full distribution.

UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDICNETINC + ROA
47th percentileToggle ROA distribution

Distribution histogram for ROA, with this bank marked when a value is reported.

10th 0.71%Median 1.19%90th 1.80%Observations 110
ROE
FDICNETINC + ROE
45th percentileToggle ROE distribution

Distribution histogram for ROE, with this bank marked when a value is reported.

10th 5.78%Median 10.10%90th 17.47%Observations 110
NIM
FDICNIM + NIMY
57th percentileToggle NIM distribution

Distribution histogram for NIM, with this bank marked when a value is reported.

10th 2.62%Median 3.55%90th 4.39%Observations 110
Efficiency
FDICNONIX + NIM + NONII + EEFFR
47th percentileToggle Efficiency distribution

Distribution histogram for Efficiency, with this bank marked when a value is reported.

10th 36.24%Median 54.92%90th 71.99%Observations 110
Deposits YoY
FDICDEP
23rd percentileby valueToggle Deposits YoY distribution

Distribution histogram for Deposits YoY, with this bank marked when a value is reported.

10th −1.68%Median +4.64%90th +30.48%Observations 110
Loans YoY
FDICLNLSNET
50th percentileby valueToggle Loans YoY distribution

Distribution histogram for Loans YoY, with this bank marked when a value is reported.

10th −0.21%Median +6.49%90th +34.73%Observations 109
Noncurrent %
FDICP9ASSET + NAASSET + LNLSGR
34th percentileToggle Noncurrent % distribution

Distribution histogram for Noncurrent %, with this bank marked when a value is reported.

10th 0.20%Median 0.71%90th 1.50%Observations 109
Leverage
FDICRBC1AAJ
31st percentileToggle Leverage distribution

Distribution histogram for Leverage, with this bank marked when a value is reported.

10th 8.29%Median 10.30%90th 12.41%Observations 110

Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.

IB deposit cost
FDICEINTEXP + DEPIDOM
72nd percentileToggle IB deposit cost distribution

Distribution histogram for IB deposit cost, with this bank marked when a value is reported.

10th 1.79%Median 2.60%90th 3.62%Observations 110
CRE/capital
FDICLNRENROT + LNREMULT + LNRECONS + RBC
49th percentileby valueToggle CRE/capital distribution

Distribution histogram for CRE/capital, with this bank marked when a value is reported.

10th 54%Median 213%90th 309%Observations 110

Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.

Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.