United Community Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Loans and leases to core deposits climbed 2.87 percentage points in Q2 2026, from 84.59% to 87.46%. It was the largest change from Q1 2026 among the key lines here. Within South Carolina, United Community Bank is 18th of 44 on loan-to-deposit ratio, 83.03% as of Q2 2026, above the middle of the field. The median for banks in the $10B-100B asset tier is 86.83% on loan-to-deposit ratio. United Community Bank sits 3.81 points lower, at 83.03% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $458.7M |
| Cash and noninterest-bearing balances to assets | 1.58% |
| Cash and securities | $6.73B |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $360.0M |
| Other borrowed money | $800.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.76% |
| Trading liabilities | $41.6M |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 83.03% |
| Net loans and leases to deposits | 82.32% |
| Loans and leases to core deposits | 87.46% |
| Core deposits to total deposits | 94.28% |
| Brokered deposits to total deposits | 0.66% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 78.35% | 94.23% | $37.3M | $0 |
| Q4 2023 | 77.30% | 94.46% | $0 | $0 |
| Q1 2024 | 77.58% | 94.51% | $0 | $0 |
| Q2 2024 | 77.99% | 94.64% | $0 | $0 |
| Q3 2024 | 75.99% | 94.74% | $0 | $0 |
| Q4 2024 | 76.44% | 94.84% | $195.0M | $0 |
| Q1 2025 | 76.16% | 94.96% | $0 | $0 |
| Q2 2025 | 77.74% | 94.66% | $0 | $0 |
| Q3 2025 | 78.69% | 94.58% | $0 | $0 |
| Q4 2025 | 80.48% | 94.48% | $85.0M | $0 |
| Q1 2026 | 80.45% | 94.44% | $0 | $0 |
| Q2 2026 | 83.03% | 94.28% | $360.0M | $800.0M |
United Community Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock United Community Bank, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full United Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16889) · FFIEC NIC profile (RSSD 1017939)