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United Community Bank
Greenville, SC · FDIC Certificate #16889 · Chartered 03/0
Total assets
$28.99B
Total deposits
$24.07B
Total equity
$3.42B
Net loans
$19.82B
Branches (offices)
190
Net income (YTD)
$198.12M
Rank: #73 of 4,213 U.S. banks by assets · #1 of 43 in South Carolina. Assets changed 3.4% and deposits -1.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.40% |
| Return on equity | 11.65% |
| Net interest margin (YTD) | 3.68% |
| Equity to assets | 11.81% |
| Tier 1 leverage ratio | 9.52% |
| Uninsured deposits (share of deposits) | 39.4% |
| Noncurrent loans (share of loans) | 0.51% |
| Net charge-offs (share of loans) | 0.19% |
| Loans to deposits | 82.3% |
| Real estate loans (share of loans) | 75.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $15.03B | 75.8% | |
| Commercial & industrial | $4.38B | 22.1% | |
| Consumer / individual | $185.71M | 0.9% | |
| Construction & development | $1.34B | 6.7% | |
| Agricultural | $1.19M | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $24.15B | $21.17B | $125.47M | $2.66B |
| Jun 2023 | $26.06B | $22.65B | $130.67M | $3.01B |
| Jun 2024 | $27.00B | $23.41B | $139.78M | $3.24B |
| Jun 2025 | $28.04B | $24.39B | $155.89M | $3.36B |
| Jun 2026 | $28.99B | $24.07B | $198.12M | $3.42B |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Georgia | $11.51B | 62 |
| North Carolina | $3.67B | 37 |
| South Carolina | $3.63B | 34 |
| Florida | $2.31B | 21 |
| Tennessee | $2.11B | 26 |
| Alabama | $840.91M | 10 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $24.07B.
Similar-sized banks
City National Bank Of Florida ($29.11B) · Axos Bank ($28.87B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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