United Community Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks United Community Bank of Greenville, SC against its peer group of 134 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.63% | 1.39% | +0.24% | 78th top |
| ROAE | 13.65% | 12.22% | +1.43% | 74th above |
| Net Interest Margin Behind the peer average, ahead of the median peer. | 3.68% | 3.82% | -0.14% | 56th above |
| Efficiency Ratio | 55.57% | 54.23% | +1.34% | 43rd below |
| PPNR / Avg Assets | 1.69% | 2.04% | -0.35% | 43rd below |
| Yield on Earning Assets | 5.26% | 5.71% | -0.45% | 43rd below |
| Cost of Funds | 1.68% | 2.03% | -0.35% | 66th above |
| Net Interest Spread Behind the peer average, ahead of the median peer. | 3.00% | 3.13% | -0.13% | 56th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.53% | 0.98% | -0.45% | 74th above |
| NPA / Total Assets | 0.38% | 0.72% | -0.34% | 71st above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.16% | 0.33% | -0.17% | 45th below |
| ACL / Total Loans | 0.84% | 1.39% | -0.55% | 16th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 160.17% | 235.85% | -75.68% | 58th above |
| Texas Ratio | 4.15% | 8.91% | -4.76% | 75th top |
| Provision / NCO | -128.75% | 125.38% | -254.13% | 2nd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.09% | 15.68% | -3.59% | 26th below |
| Tier 1 Ratio | 12.09% | 15.81% | -3.72% | 25th below |
| Total Capital Ratio | 12.93% | 16.93% | -4.00% | 15th bottom |
| Leverage Ratio | 9.52% | 10.51% | -0.99% | 28th below |
| Equity / Assets | 11.81% | 11.71% | +0.10% | 58th above |
| TCE / Tangible Assets | 8.76% | 9.73% | -0.97% | 28th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 83.03% | 84.59% | -1.56% | 63rd above |
| Core Deposit Ratio | 94.28% | 86.56% | +7.72% | 74th above |
| Uninsured Deposit Ratio Behind the peer average, ahead of the median peer. | 39.39% | 36.82% | +2.57% | 50th above |
| Wholesale Funding Ratio | 4.00% | 5.85% | -1.85% | 52nd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.37% | 11.99% | -8.62% | 36th below |
| Loan Growth (Y/Y) | 5.43% | 11.41% | -5.98% | 48th below |
| Deposit Growth (Y/Y) | -1.29% | 11.43% | -12.72% | 12th bottom |
See United Community Bank's peers by name
The 134 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock United Community Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full United Community Bank profile, how to read a UBPR, or how this data updates.