United Community Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loans held for sale: 4645.8% higher than in Q1 2026, at $1.96B. 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).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $19.99B |
| Net loans and leases | $19.82B |
| Loans held for sale | $1.96B |
| Loans to total assets | 68.95% |
| Loan-to-deposit ratio | 83.03% |
| Net loans to equity capital | 5.79% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 39.70% |
| Multifamily (5+ residential) | 3.57% |
| Commercial and industrial | 21.89% |
| Consumer | 0.93% |
| Credit cards | 0.00% |
| Farm | 0.23% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.62% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 221.08% |
| Construction concentration (Tier 1 capital + allowance) | 48.01% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.01% |
| Interest income on loans | $293.7M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $18.24B | $23.28B | 35.77% | 21.47% | 2.62% |
| Q4 2023 | $18.35B | $23.74B | 36.06% | 20.86% | 2.57% |
| Q1 2024 | $18.41B | $23.73B | 36.00% | 20.73% | 2.52% |
| Q2 2024 | $18.26B | $23.41B | 35.57% | 20.49% | 2.51% |
| Q3 2024 | $18.01B | $23.71B | 36.40% | 20.97% | 1.03% |
| Q4 2024 | $18.23B | $23.85B | 36.28% | 21.62% | 1.01% |
| Q1 2025 | $18.46B | $24.24B | 36.42% | 22.15% | 0.97% |
| Q2 2025 | $18.96B | $24.39B | 37.04% | 21.87% | 0.97% |
| Q3 2025 | $19.21B | $24.41B | 37.19% | 22.07% | 0.97% |
| Q4 2025 | $19.42B | $24.14B | 39.33% | 22.17% | 0.94% |
| Q1 2026 | $19.64B | $24.42B | 39.48% | 21.97% | 0.93% |
| Q2 2026 | $19.99B | $24.07B | 39.70% | 21.89% | 0.93% |
United Community Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock United Community Bank, freeSource: Call Report Schedule RC-C, 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)