United Community Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 20.82 percentage points lower than in Q1 2026, at 160.17%. United Community Bank ranks 8th of 44 South Carolina banks on return on assets, in the upper half at 1.63% (Q2 2026). The median for banks in the $10B-100B asset tier is 1.30% on return on assets. United Community Bank sits 0.34 points higher, at 1.63% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.09% |
| Tier 1 risk-based capital ratio | 12.09% |
| Total risk-based capital ratio | 12.93% |
| Tier 1 leverage ratio | 9.52% |
| Equity capital to assets | 11.81% |
| Tangible equity to tangible assets | 8.76% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.53% |
| Non-performing assets ratio | 0.38% |
| Net charge-off ratio | 0.16% |
| Texas ratio | 4.15% |
| Allowance for credit losses to loans | 0.84% |
| Reserve coverage of non-performing loans | 160.17% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.63% |
| Return on equity | 13.65% |
| Net interest margin | 3.68% |
| Efficiency ratio | 55.57% |
| Yield on earning assets | 5.26% |
| Cost of funds | 1.68% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 83.03% |
| Core deposits to total deposits | 94.28% |
| Brokered deposits to total deposits | 0.66% |
| Deposits to assets | 83.05% |
| Securities to assets | 21.64% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.26% | 12.26% | 13.25% | 9.43% | 0.76% |
| Q4 2023 | 12.22% | 12.22% | 13.23% | 9.17% | 0.24% |
| Q1 2024 | 12.60% | 12.60% | 13.63% | 9.50% | 0.97% |
| Q2 2024 | 12.90% | 12.90% | 13.95% | 9.66% | 1.08% |
| Q3 2024 | 13.06% | 13.06% | 14.08% | 9.62% | 0.70% |
| Q4 2024 | 13.05% | 13.05% | 14.08% | 9.46% | 1.06% |
| Q1 2025 | 12.68% | 12.68% | 13.74% | 9.37% | 1.07% |
| Q2 2025 | 12.60% | 12.60% | 13.66% | 9.48% | 1.16% |
| Q3 2025 | 12.48% | 12.48% | 13.53% | 9.52% | 1.29% |
| Q4 2025 | 12.34% | 12.34% | 13.37% | 9.42% | 1.22% |
| Q1 2026 | 12.19% | 12.19% | 13.21% | 9.50% | 1.17% |
| Q2 2026 | 12.09% | 12.09% | 12.93% | 9.52% | 1.63% |
United Community Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock United Community Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)