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United Community Bank
Greenville, SC·FDIC Cert #16889·Charter: STATE·Est. 19500301.0·HC: UNITED COMMUNITY BANKS INC
Total Assets
$27.9B
Q4 2025
Return on Assets
1.19%
+0.02%Peer avg: 1.16%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
53.77%
Peer avg: 52.2%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
59
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.19%+0.02
ROE
9.91%+0.11
Efficiency
53.77%-0.26
Equity/Assets
0.00%+0.00
NPL Ratio
0.47%-0.03
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
79.60%+1.80
Charge-offs
0.22%+0.04
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.0 | 1.0 | 0.9 | 1.0 | 1.1 | 1.1 | 1.2 | 1.2 |
| ROE | 8.4 | 8.7 | 7.8 | 8.1 | 9.1 | 9.3 | 9.8 | 9.9 |
| Efficiency | 57.4 | 56.2 | 58.4 | 57.3 | 54.6 | 54.5 | 54.0 | 53.8 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.6 | 0.6 | 0.6 | 0.6 | 0.5 | 0.4 | 0.5 | 0.5 |
| Charge-offs | 0.3 | 0.3 | 0.4 | 0.3 | 0.2 | 0.2 | 0.2 | 0.2 |
| Loan/Deposit | 76.7 | 77.1 | 75.1 | 75.6 | 75.3 | 76.9 | 77.8 | 79.6 |
Balance Sheet
Total Assets$27.9B
Total Deposits$24.1B
Total Loans$19.2B
Total Equity$3.4B
Profitability
ROA1.19%
ROE9.91%
Efficiency Ratio53.77%
Net Income$333.1M
Risk & Asset Quality
NPL Ratio0.47%
Charge-off Rate0.22%
Loan/Deposit79.60%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans