United Community Bank (Greenville, SC): Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
United Community Bank is a regional commercial bank serving South Carolina and adjacent markets, with headquarters in Greenville. On its most recent Q2 2026 call report, United Community reported $29.0B in total assets against $24.1B in deposits. Returns are notably above industry norms: 1.63% ROA, 13.65% ROE, and 3.68% NIM. Capital is comfortably above regulatory requirements, CET1 ratio of 12.09% sits well above the 7% level required once the capital conservation buffer is included. Asset quality is solid, 0.53% nonperforming loans and a 4.15% Texas Ratio. A 192-branch network serves customers across multiple states.
As of June 30, 2026, United Community Bank reported a CET1 capital ratio of 12.09%, a return on assets of 1.63%, a nonperforming-loan ratio of 0.53%, a Texas ratio of 4.15%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 200 E Camperdown Way, Greenville, SC 29601
- County
- Greenville
- Metro Area
- Greenville-Anderson-Greer, SC
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- March 1, 1950
- Former names
- Union County Bank (1973-1996)
- Offices
- 192 domestic
- Employees (FTE)
- 3,130
- Domestic deposits
- $24.07B
- Allowance for credit losses
- $168.7M
- Net charge-offs (YTD)
- $18.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- March 1, 1950
- FDIC Cert
- 16889
- Fed RSSD
- 1017939
- SEC CIK
- 857855 → filed by UNITED COMMUNITY BANKS, INC.
- Website
- www.ucbi.com →
- Parent Holding Company
- UNITED COMMUNITY BANKS, INC. (RSSD 1249347) · UCB
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Harton H Lynn | CEO | President & CEO |
| Speir Thomas Hardaway | CFO | EVP, CFO |
| Edwards Robert A. | CRO | EVP, Chief Risk Officer |
| Terry Mark Aaron | CIO | EVP, Chief Information Officer |
| Davis Lux Melinda | GC | EVP, General Counsel |
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full United Community Bank terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock United Community Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
United Community Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Banks merged into United Community Bank
- Peach State Bank & Trust, effective August 1, 2026
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.09% | 1.63% | 0.53% | 4.15% | 3.68% |
| Q1 2026 | 12.19% | 1.17% | 0.59% | 4.51% | 3.62% |
| Q4 2025 | 12.34% | 1.22% | 0.53% | 4.00% | 3.67% |
| Q3 2025 | 12.48% | 1.29% | 0.87% | 6.41% | 3.64% |
| Q2 2025 | 12.60% | 1.16% | 0.83% | 6.22% | 3.53% |
| Q1 2025 | 12.68% | 1.07% | 0.96% | 7.19% | 3.36% |
| Q4 2024 | 13.05% | 1.06% | 1.07% | 7.91% | 3.33% |
| Q3 2024 | 13.06% | 0.70% | 0.99% | 7.23% | 3.41% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 190 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| United Community Bank (main office) | Greenville , SC | 29601 | $901.7M |
| Ucb North Georgia Branch | Blue Ridge , GA | 30513 | $765.6M |
| Prior Mo Branch | Blairsville , GA | 30512 | $665.5M |
| Fl-South Miami- Sunset Drive Branch | South Miami , FL | 33143 | $474.1M |
| Gainesville Branch | Gainesville , GA | 30501 | $441.5M |
| North Point Branch | Cumming , GA | 30041 | $439.7M |
| Rome Branch | Rome , GA | 30161 | $412.2M |
| Southern National Bank Branch | Marietta , GA | 30060 | $393.6M |
| United Community Bank of Gilmer Coun | Ellijay , GA | 30540 | $363.4M |
| First Bank of the South Branch | Lawrenceville , GA | 30043 | $362.2M |
| Ucb Towns County Branch | Hiawassee , GA | 30546 | $332.1M |
| Ucb West Georgia Branch | Carrollton , GA | 30117 | $327.4M |
| Ucb White County Branch | Cleveland , GA | 30528 | $322.1M |
| American National Bank Branch | Oakland Park , FL | 33308 | $319.9M |
| Buford Lanier Community Branch | Buford , GA | 30518 | $259.2M |
| Hwy 321 Office Branch | Lenoir City , TN | 37772 | $258.2M |
| Laurens Branch | Laurens , SC | 29360 | $253.7M |
| Ucb Dawson County Branch | Dawsonville , GA | 30534 | $248.4M |
| Midway Office Branch | Alpharetta , GA | 30004 | $248.3M |
| Liberty National Bank Conyers Branch | Conyers , GA | 30013 | $239.6M |
| Fairburn 1st Community Branch | Fairburn , GA | 30213 | $239.1M |
| United Community Bank -Murphy Branch | Murphy , NC | 28906 | $233.8M |
| United Community Bank of Lumpkin Co | Dahlonega , GA | 30533 | $233.3M |
| New Community Branch | Cornelia , GA | 30531 | $230.7M |
| Riverstone Branch | Canton , GA | 30114 | $222.3M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| August 1, 2026 | M&A | merger | SEC |
| August 1, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 1, 2026 | Structure Change | Acquired Peach State Bank & Trust Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 1, 2025 | M&A | merger | SEC |
| December 1, 2025 | Structure Change | Acquired Ucb Investments Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 1, 2025 | M&A | merger | SEC |
| May 1, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 1, 2025 | Structure Change | Acquired American National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 2023 | M&A | merger | SEC |
| July 1, 2023 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2023 | Structure Change | Acquired The First National Bank of South Miami Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 3, 2023 | M&A | merger | SEC |
| January 3, 2023 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 3, 2023 | Structure Change | Acquired Progress Bank and Trust Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2022 | M&A | merger | SEC |
| January 1, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2022 | Structure Change | Acquired Reliant Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 2021 | M&A | merger | SEC |
| October 1, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2021 | Structure Change | Acquired Aquesta Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 2020 | M&A | merger | SEC |
| July 1, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2020 | Structure Change | Acquired Seaside National Bank & Trust Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 1, 2019 | M&A | merger | SEC |
| May 1, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 1, 2019 | Structure Change | Acquired First Madison Bank & Trust Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 1, 2017 | M&A | merger | SEC |
| November 1, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 1, 2017 | Structure Change | Acquired Four Oaks Bank & Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 1, 2017 | M&A | merger | SEC |
| August 1, 2017 | Structure Change | Acquired Horry County State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 31, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2016 | M&A | merger | SEC |
| July 1, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2016 | Structure Change | Acquired Tidelands Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 1, 2015 | M&A | merger | SEC |
| September 1, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 1, 2015 | Structure Change | Acquired The Palmetto Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 18, 2015 | M&A | merger | SEC |
| July 18, 2015 | Structure Change | Acquired First National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 17, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 20, 2009 | M&A | failure_government_assistance_provided | SEC |
| June 20, 2009 | Structure Change | Acquired Southern Community Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| June 19, 2009 | Merger | Participated in FDIC Assisted Merger | FDIC |
| February 1, 2008 | M&A | merger | SEC |
| February 1, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 1, 2008 | Structure Change | Acquired United Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 16, 2007 | M&A | merger | SEC |
| July 16, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 16, 2007 | Structure Change | Acquired First Bank of the South Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 50 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for United Community Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 2.7% of deposits in SC, rank 8 of 75 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 11,537 applications, 7,529 loans originated, $2.17B originated, across 14 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about United Community Bank
What are United Community Bank's total assets?
As of the Q2 2026 filing, United Community Bank reported total assets of $28.99 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is United Community Bank headquartered?
United Community Bank is headquartered in Greenville, SC, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was United Community Bank founded?
United Community Bank was established in 1950, per the FDIC institution directory.
Is United Community Bank FDIC-insured?
Yes. United Community Bank is an FDIC-insured commercial bank (FDIC Certificate #16889). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates United Community Bank?
United Community Bank's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is United Community Bank's CET1 capital ratio?
United Community Bank reported a Common Equity Tier 1 (CET1) capital ratio of 12.09% in its Q2 2026 call report, above regulatory requirements.
How many branches does United Community Bank operate?
United Community Bank operates 192 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is United Community Bank's Texas Ratio?
United Community Bank's Texas Ratio is 4.15% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was United Community Bank previously called?
The charter now named United Community Bank has also operated as Union County Bank (1973-1996), per FDIC structure-change records.
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