# UNITED COMMUNITY BANK
GREENVILLE, SC · FDIC certificate 16889 · asset band $10-100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $28.99B | |
| Deposits | $24.07B | |
| Loans and leases | $19.99B | |
| Total equity | $3.42B | |
| Loans / deposits | 82.32% (p39 of band) | 85.78% |
| Liquid assets / assets | 23.23% (p53 of band) | |
| Uninsured deposits / deposits | 39.39% (p53 of band) | 38.39% |
| Brokered deposits | 0.55% | |
| Wholesale funding | 4.55% (p32 of band) | |
| FHLB advances / assets | 2.76% | |
| Tier 1 leverage | 9.52% (p32 of band) | 10.17% |
| Unrealized securities loss / equity | -13.74% (p24 of band) | -7.43% |
| AOCI / equity | 0.05% (p83 of band) | |
| ROA (annualized) | 1.40% (p66 of band) | 1.24% |
| Net interest margin | 3.68% (p57 of band) | 3.57% |
| Efficiency ratio | 55.92% (p58 of band) | |
| Noncurrent loans | 0.51% (p34 of band) | 0.66% |
| Net charge-offs (annualized) | 0.13% (p65 of band) | |
| Reserve coverage of noncurrent | 166.39% | |
| Real estate % of loans | 75% | |
| Construction % of loans | 39.08% (p63 of band) | |
| Auto loans | $45.6M (0.23% of loans; DQ 0.98%, NCO 0.00%) | |
| Loans to nondepository financials | $100.7M (3% of equity) (p35 of band) | |
| Deposits YoY | -1.3% | |
| Employees | 3130 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | losing money, expense ratio p90, charge-offs p90, construction >100% equity |  |
| 2011-06 | 4 |  |  |
| 2011-09 | 5 | reserve under noncurrent |  |
| 2011-12 | 3 |  | expense ratio p90, construction >100% equity |
| 2012-03 | 3 | deposits shrinking, assets shrinking | losing money, charge-offs p90 |
| 2012-06 | 3 |  |  |
| 2012-09 | 1 |  | deposits shrinking, assets shrinking |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 | charge-offs p90 | reserve under noncurrent |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 | capital falling | charge-offs p90 |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 1 | securities losses >30% of equity |  |
| 2022-12 | 0 |  | securities losses >30% of equity |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 1 | capital falling |  |
| 2024-03 | 0 |  | capital falling |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | capital falling |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 0 |  | capital falling |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-13 [United Community Names Sean Simpson Chief Commercial Banking Officer - PR Newswire](https://news.google.com/rss/articles/CBMiwgFBVV95cUxPd3U2WEFzU2ZQTnhPdFE0YzZfQWxQakRTUDFpUkkwc2FCYnNQWUc4YkRENXM5UWlycEpoZlpiSXdZOUZMZFZ5N3NxYVlleFhPWmZMVFpfR0JHWmQtZDdUTHZGc1FST2FrWkFQNkZvSGtMVWpia0V2VDZaUmpGNDBuRW84R0hFMi14dks5U2VtdmR5QXNPNDJ5X1o1UFNrX3F6NENNeG9NTG9MSjNqV1NZWUFfY0h6X1JpUG9iTGRsZ18ydw?oc=5) · PR Newswire
- 2026-08-22 [United Community Banks, Inc. Appoints Industry Veteran Carl S. Carande to Board of Directors - Eastern Progress](https://news.google.com/rss/articles/CBMigAJBVV95cUxOWWRsRkhwS0M2ZlRUNWxWWjRXcDM2UFFpOWRodkY4YVJxLUJkclBSSFNXdlA2YkljTDZwVFk0dDg1ckR2UHZvZkpMSGJuRHNNQTNMb29UcGgxc29TRTQyeWh0X0ZRWHZaWE5ISUtkbnF1VWhKV3E1MnhheUFJUmRGUHlZUFFHcFpLQTRTNnU2cDF3WUlFSTFpMnlFUHVjZDA4aGtDWE5PQ2hHX3FwZW9vdFhJU1BmS2NKZ2FZVTNaUzlnZjVVcjZvekliT01sMUJLaGRvMGlVUXVjbjJrM0lyYk55VGxjdUVmQWVobUZLVmx3Ml95UW5LYy14T29FLXVD?oc=5) · Eastern Progress
- 2026-03-20 [United Community Bank Review - SmartAsset](https://news.google.com/rss/articles/CBMiggFBVV95cUxNZ05PUlgxalV5c0xNRXZESU5pejF6OVNNandIYndaeTlqT1M2bUNRaGdCTl9RRmJ4Wm5PQUxka25aUnlUVHVHRGYtTUVXTlBVWnFMbHM1OXRMRGhvem5UYWZpTC1HY2gzM0toV3N3WEl2RjNYZHZRSE9YOE5XRnJ4OFh3?oc=5) · SmartAsset
- 2026-06-21 [SC’s largest bank cuts loose a key growth engine in a $1.9B deal - Post and Courier](https://news.google.com/rss/articles/CBMizwFBVV95cUxPTGtWMGhpdVFtQl95ZjlOUDRrRFJHOHZDTHhKSVRYcEVJT0doT29pclN0NVBFZzVqVWZwM1NlNDY4c3lsRzlJNm1KV1BiY25YaGxLbi1sblFvV1A1blZ6ZnZ5cDU3bERja3RlX2xxUUtZNUlfRG5nQTg5ajFNMlhEZmdFb29yUjJTVC01eHJtMzMzR2piUVNSLXI4MjZtalBydTJGRjFvUjJkTGU1Tnkyb3RlZHlCbS1yOTVPREV4YW1MMGRPc2ZuMjJXRkVVbTA?oc=5) · Post and Courier
- 2026-08-19 [United Community Names Tom Speir as New Chief Financial Officer - PR Newswire](https://news.google.com/rss/articles/CBMiuwFBVV95cUxPcTExTTJBSEc2NElXUi1VNHh5dXRFTGNoc0h3Z1k1N0xYcnVkdzFjVUl4QW5lX2E0Qm43RDFoVElaRDk1WFhVZHdqOHVuSmVsclVXVW1JRm1xM1ZEbEtqZGlfdU9GSEhOZG5YVE1CS2RRa0MxanN1X2piUHNsRHVHOVpiZVdEVllTWUZOOUR4d3k2cXJxZ0s2bWdSM3BycEpiTmZEZkFwdlRrdzdMRjdMT2U4QXR1N1dwMFQ4?oc=5) · PR Newswire
- 2026-01-06 [United Community Bank to offer extended-hours video-teller service at new Winston-Salem branch - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxNTGhQN3dQMGtla2VrUXNOTjk5Z3d5b3o3RDJZdXhna0h6eFJBQjY1cnpCZUpfcFFtSGpCSEVhMmpLWHduYnc1R2M1eWVsZDVGemh3bkFQaExqNFBxNTNhdEZ5N1JGd1AxY09VMVhrb0tPTVhUSE5ONjItc2ZIazh6YlFDU3ZOa3N3VUFTdjUyaWxPVXVISEFIM1h1VU9rb2ZNVlVPRDN3?oc=5) · The Business Journals
- 2026-07-12 [Why Retail Investors Are Watching These South Carolina Regional Bank Stocks - simplywall.st](https://news.google.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?oc=5) · simplywall.st
- 2026-08-25 [United Community Names Dr. Jeff Beisler-Snell Head of International Banking and Capital Markets - Eastern Progress](https://news.google.com/rss/articles/CBMihwJBVV95cUxNUWdxUW5WTzk1M3ZZRDhTTGRDc1VRNnRDQ0N2U3NWRExWUHBGQlI3RE5QNUNXcmN6X0lXMjBBdkVFcmMteUM3T3BjcEN4bUVGTGtfUjM5YUhBTVJvZkxreHk1bHkyOEFyZXBEdUNwWVloR2VROUw1cWJUajhTNHdnSGw2MWV3aUhHU2hfbDFyTG1RY2xsUmc3UVZNZ29WaFJzdkhhU004MHptcThJOFQ2WDFaUXhDZTdlNDBuZ1Fma3ZLSnd2OS04dE9WVGFUZG1NdGdxN1otSjJsODJJSFdFN1Z0d1M4NU1WdEo4MENKaGNoQk1jNmtkcWhrcng5X2xwV2FrRldOMA?oc=5) · Eastern Progress

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16889 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/57.json (key "16889", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide