United Community Bank: Return on Assets
Data as of · sourced from FFIEC call reports. How we update
United Community Bank reported a return on assets of 0.78% as of Q2 2026, ranking #2,929 of 3,613 U.S. banks (19th percentile). That is down 0.08 percentage points from 0.86% a year earlier, and below the 1.26% median of the 1,873 Small Community Banks ($100M–$500M in assets). Return on Assets (ROA) measures net income divided by average total assets, the single most-watched US banking profitability metric.
12-Quarter Trend
National Context
What is the Return on Assets?
Return on assets (ROA) is a bank's annualized net income divided by its average total assets, expressed as a percentage. It shows how much profit the bank earns on each dollar of its balance sheet, whatever its size or capital structure.
Read ROA against peers of the same size and business model, then check what is driving it. A high ROA from a wide net interest margin is more durable than one lifted by a one-time securities gain or a release of loan loss reserves. Subchapter S banks pay no income tax at the bank level, so their after-tax ROA runs higher than a C corporation bank with the same pretax earnings; compare them on pretax ROA. A bank with heavy trust or fee businesses can post a high ROA on a small balance sheet.
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What is United Community Bank's Return on Assets?
United Community Bank's Return on Assets was 0.78% as of Q2 2026, ranking #2929 of 3,613 U.S. banks.
What is the Return on Assets?
Return on assets (ROA) is a bank's annualized net income divided by its average total assets, expressed as a percentage. It shows how much profit the bank earns on each dollar of its balance sheet, whatever its size or capital structure.
More United Community Bank metrics
Source: FFIEC call reports, standardized by BankRegReports. Values are point-in-time as filed. See the full United Community Bank profile or how this data updates. The figures come from the bank's call report.
Regulator records: FDIC BankFind (cert 8544) · FFIEC NIC profile (RSSD 847157)