United Community Bank (Greenville, SC)
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Data as of · sourced from FFIEC call reports. How we update
United Community Bank is an FDIC-insured commercial bank headquartered in Greenville, SC, established in 1950 (FDIC certificate 16889), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $28.99B, up 3.4% from Q2 2025, the largest of 43 banks headquartered in South Carolina. Its CET1 capital ratio was 12.09% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 16889
- Headquarters
- Greenville, SC
- Established
- 1950
- Total assets, Q2 2026
- $28.99B
- Assets vs Q2 2025
- +3.4%
- CET1 ratio, Q2 2026
- 12.09%
- Domestic offices
- 190 FDIC institution directory, current count
- Routing number
- 053201186
- Latest call report
- Q2 2026, FFIEC 041 · United Community Bank call report
- Holding company
- UNITED COMMUNITY BANKS, INC.
- Asset rank in state
- 1st of 43 in South Carolina
United Community Bank, based in Greenville, South Carolina, reported $29.0 billion in assets at June 30, 2026, up 3.4% from a year earlier. It lost 1.3% of its deposits over the year, lower than about three-quarters of the 127 banks with $10 billion to $100 billion in assets (median 5.7%). It also holds common equity equal to 12.09% of its risk-weighted assets, lower than about three-quarters of banks its size (median 12.98%).
Earnings jumped: net income for the quarter was $116 million, 43% above the same quarter a year earlier. Over the same year, loans grew 5.4% and deposits shrank 1.3%. One more trend to watch: problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.50% of loans from 0.38% a year earlier.
As of June 30, 2026, United Community Bank reported a CET1 capital ratio of 12.09%, a return on assets of 1.63%, a nonperforming-loan ratio of 0.51% and a Texas ratio of 3.90%. The figures come from its call report filed with the FFIEC.
United Community Bank ranks as the largest of the 43 banks based in South Carolina, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 3.1% to $28.99B, loans rose 1.8% and deposits fell 1.4%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 25.0% of total loans, ahead of commercial and industrial loans at 21.9%. Judged on its Q2 2026 call report, United Community Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 200 E Camperdown Way, Greenville, SC 29601
- County
- Greenville
- Metro Area
- Greenville-Anderson-Greer, SC
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- March 1, 1950
- Former names
- Union County Bank (1973-1996)
- Domestic offices
- 190 FDIC institution directory, current count
- Employees (FTE)
- 3,130
- Domestic deposits
- $24.07B
- Allowance for credit losses
- $168.7M
- Net charge-offs (YTD)
- $18.2M
- Average total assets
- $28.46B
- Average total loans
- $19.64B
- Average interest-bearing deposits
- $17.64B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- March 1, 1950
- FDIC Cert
- 16889
- Fed RSSD
- 1017939
- SEC CIK
- 857855 → filed by UNITED COMMUNITY BANKS, INC.
- Website
- www.ucbi.com →
- Parent Holding Company
- UNITED COMMUNITY BANKS, INC. (RSSD 1249347) · UCB
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Harton H Lynn | CEO | President & CEO |
| Speir Thomas Hardaway | CFO | EVP, CFO |
| Robert A. Edwards | CRO | EVP, Chief Risk Officer |
| Terry Mark Aaron | CIO | EVP, Chief Information Officer |
| Davis Lux Melinda | GC | EVP, General Counsel |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, United Community Bank's total assets ranged from $26.80B (Q3 2023) to $28.99B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$28.99B total assets against $28.04B; $25.57B total liabilities against $24.68B.
$19.82B net loans and leases against $18.74B; $24.07B total deposits against $24.39B.
$6.27B securities against $6.37B; $458.7M cash and balances due against $580.4M.
$344.2M total interest income against $347.1M; $103.4M total interest expense against $120.2M.
$240.8M net interest income against $226.9M.
$37.0M total noninterest income against $35.1M; $157.9M total noninterest expense against $146.1M.
-$29.8M provision for credit losses against $11.8M.
$116.2M net income against $81.3M.
1.63% return on assets against 1.16%; 3.68% net interest margin against 3.53%.
12.09% CET1 capital ratio against 12.60%; 9.52% tier 1 leverage ratio against 9.48%.
Inside the full United Community Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
United Community Bank rankings
Its closest position to the top of a national ranking is 72 of 4,196, for total assets; its furthest is 1,673 of 2,134, for CET1 ratio.
Banks merged into United Community Bank
- Peach State Bank & Trust, effective August 1, 2026
- American National Bank, effective May 1, 2025
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.70% (Q3 2024) to 1.63% (Q2 2026) and its net interest margin ran from 3.33% (Q4 2024) to 3.68% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.09% | 1.63% | 0.51% | 3.90% | 3.68% |
| Q1 2026 | 12.19% | 1.17% | 0.49% | 3.66% | 3.62% |
| Q4 2025 | 12.34% | 1.22% | 0.47% | 3.31% | 3.67% |
| Q3 2025 | 12.48% | 1.29% | 0.50% | 3.38% | 3.64% |
| Q2 2025 | 12.60% | 1.16% | 0.42% | 2.95% | 3.53% |
| Q1 2025 | 12.68% | 1.07% | 0.49% | 3.49% | 3.36% |
| Q4 2024 | 13.05% | 1.06% | 0.62% | 4.47% | 3.33% |
| Q3 2024 | 13.06% | 0.70% | 0.62% | 4.35% | 3.41% |
Swipe the table sideways to see every column.
Branch Network
View all 190 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| United Community Bank (main office) | Greenville , SC | 29601 | $901.7M |
| Ucb North Georgia Branch | Blue Ridge , GA | 30513 | $765.6M |
| Prior Mo Branch | Blairsville , GA | 30512 | $665.5M |
| Fl-South Miami- Sunset Drive Branch | South Miami , FL | 33143 | $474.1M |
| Gainesville Branch | Gainesville , GA | 30501 | $441.5M |
| North Point Branch | Cumming , GA | 30041 | $439.7M |
| Rome Branch | Rome , GA | 30161 | $412.2M |
| Southern National Bank Branch | Marietta , GA | 30060 | $393.6M |
| United Community Bank of Gilmer Coun | Ellijay , GA | 30540 | $363.4M |
| First Bank of the South Branch | Lawrenceville , GA | 30043 | $362.2M |
| Ucb Towns County Branch | Hiawassee , GA | 30546 | $332.1M |
| Ucb West Georgia Branch | Carrollton , GA | 30117 | $327.4M |
| Ucb White County Branch | Cleveland , GA | 30528 | $322.1M |
| American National Bank Branch | Oakland Park , FL | 33308 | $319.9M |
| Buford Lanier Community Branch | Buford , GA | 30518 | $259.2M |
| Hwy 321 Office Branch | Lenoir City , TN | 37772 | $258.2M |
| Laurens Branch | Laurens , SC | 29360 | $253.7M |
| Ucb Dawson County Branch | Dawsonville , GA | 30534 | $248.4M |
| Midway Office Branch | Alpharetta , GA | 30004 | $248.3M |
| Liberty National Bank Conyers Branch | Conyers , GA | 30013 | $239.6M |
| Fairburn 1st Community Branch | Fairburn , GA | 30213 | $239.1M |
| United Community Bank -Murphy Branch | Murphy , NC | 28906 | $233.8M |
| United Community Bank of Lumpkin Co | Dahlonega , GA | 30533 | $233.3M |
| New Community Branch | Cornelia , GA | 30531 | $230.7M |
| Riverstone Branch | Canton , GA | 30114 | $222.3M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| August 1, 2026 | M&A | Acquired Peach State Bank & Trust merger for the acquired bank | SEC |
| August 1, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 1, 2026 | Structure Change | Acquired Peach State Bank & Trust Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 1, 2025 | M&A | Acquired Ucb Investments Inc. merger for the acquired bank | SEC |
| December 1, 2025 | Structure Change | Acquired Ucb Investments Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 1, 2025 | M&A | Acquired American National Bank merger for the acquired bank | SEC |
| May 1, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 1, 2025 | Structure Change | Acquired American National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 2023 | M&A | Acquired The First National Bank of South Miami merger for the acquired bank | SEC |
| July 1, 2023 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2023 | Structure Change | Acquired The First National Bank of South Miami Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 3, 2023 | Structure Change | Acquired Progress Bank and Trust Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 3, 2023 | M&A | Acquired Progress Bank and Trust merger for the acquired bank | SEC |
| January 3, 2023 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2022 | M&A | Acquired Reliant Bank merger for the acquired bank | SEC |
| January 1, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2022 | Structure Change | Acquired Reliant Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 2021 | Structure Change | Acquired Aquesta Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2021 | M&A | Acquired Aquesta Bank merger for the acquired bank | SEC |
| July 1, 2020 | M&A | Acquired Seaside National Bank & Trust merger for the acquired bank | SEC |
| July 1, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2020 | Structure Change | Acquired Seaside National Bank & Trust Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 1, 2019 | M&A | Acquired First Madison Bank & Trust merger for the acquired bank | SEC |
| May 1, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 1, 2019 | Structure Change | Acquired First Madison Bank & Trust Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 1, 2017 | M&A | Acquired Four Oaks Bank & Trust Company merger for the acquired bank | SEC |
| November 1, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 1, 2017 | Structure Change | Acquired Four Oaks Bank & Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 1, 2017 | Structure Change | Acquired Horry County State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 1, 2017 | M&A | Acquired Horry County State Bank merger for the acquired bank | SEC |
| July 31, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2016 | Structure Change | Acquired Tidelands Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 2016 | M&A | Acquired Tidelands Bank merger for the acquired bank | SEC |
| July 1, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 1, 2015 | M&A | Acquired The Palmetto Bank merger for the acquired bank | SEC |
| September 1, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 1, 2015 | Structure Change | Acquired The Palmetto Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 18, 2015 | M&A | Acquired First National Bank merger for the acquired bank | SEC |
| July 18, 2015 | Structure Change | Acquired First National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 17, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 20, 2009 | M&A | Acquired Southern Community Bank failure_government_assistance_provided for the acquired bank | SEC |
| June 20, 2009 | Structure Change | Acquired Southern Community Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| June 19, 2009 | Merger | Participated in FDIC Assisted Merger | FDIC |
| February 1, 2008 | Structure Change | Acquired United Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 1, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 1, 2008 | M&A | Acquired United Community Bank merger for the acquired bank | SEC |
| July 16, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 16, 2007 | M&A | Acquired First Bank of the South merger for the acquired bank | SEC |
| July 16, 2007 | Structure Change | Acquired First Bank of the South Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 50 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 2.7% of deposits in SC, rank 8 of 73 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 11,537 applications, 7,529 loans originated, $2.17B originated, across 14 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 155 loans, $132.8M approved, $857K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about United Community Bank
What are United Community Bank's total assets?
As of the Q2 2026 filing, United Community Bank reported total assets of $28.99 billion in its FFIEC call report.
Where is United Community Bank headquartered?
It is headquartered in Greenville, SC, United States.
When was United Community Bank founded?
It was established in 1950, per the FDIC institution directory.
Is United Community Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #16889). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates United Community Bank?
United Community Bank's primary federal regulator is the Federal Reserve.
What is United Community Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.09% in its Q2 2026 call report, above regulatory requirements.
How many branches does United Community Bank operate?
It operates 190 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is United Community Bank's Texas Ratio?
Its Texas Ratio is 3.90% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was United Community Bank previously called?
The charter now named United Community Bank has also operated as Union County Bank (1973-1996), per FDIC structure-change records.
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