Bank Comparison
United Community Bank vs Flint Community Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 10
winning metrics across 20 comparable rows
Capital adequacy
| Metric | United Community Bank | Flint Community Bank |
|---|---|---|
| CET1 Ratio | — | 12.49% |
| Tier 1 Capital Ratio | — | 12.49% |
| Total Capital Ratio | — | 13.75% |
| Tier 1 Leverage Ratio | 10.65% | 9.36% |
| Equity / Assets | 8.03% | 8.96% |
Profitability
| Metric | United Community Bank | Flint Community Bank |
|---|---|---|
| Return on Assets (ROA) | 0.92% | 2.05% |
| Return on Equity (ROE) | 11.79% | 22.01% |
| Net Interest Margin (NIM) | 3.36% | 4.46% |
| Yield on Earning Assets | 5.14% | 6.08% |
| Cost of Funds | 1.92% | 1.70% |
Asset quality
| Metric | United Community Bank | Flint Community Bank |
|---|---|---|
| Texas Ratio | 19.85% | 20.38% |
| Non-Performing Loan Ratio | 2.80% | 2.57% |
| Non-Performing Asset Ratio | 1.74% | 2.04% |
| Net Charge-Off Ratio | 0.01% | 0.11% |
| ACL / Loans | 1.48% | 1.34% |
Balance sheet
| Metric | United Community Bank | Flint Community Bank |
|---|---|---|
| Total Assets | $352,389K | $351,829K |
| Total Deposits | $320,968K | $303,900K |
| Total Loans | $212,049K | $279,758K |
| Total Equity | $28,309K | $31,525K |
| Net Income (quarter) | $842 | $1,724K |
Liquidity & funding
| Metric | United Community Bank | Flint Community Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 66.07% | 92.06% |
| Core Deposit Ratio | 94.37% | 93.98% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | United Community Bank | Flint Community Bank |
|---|---|---|
| Headquarters City | PERHAM | ALBANY |
| Headquarters State | MN | GA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 3 | 2 |
| Employees (FTE) | 52 | 37 |
| Established | Jan. 1, 1911, midnight | Feb. 3, 2006, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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