United Community Bank (Greenville, SC)
United Community Bank (Greenville, SC) reported total assets of $29.0 bn at Q2 2026, up 3.4% on a year earlier, the 73rd largest of 497 banks in our US coverage. The CET1 capital ratio at United Community Bank (Greenville, SC) was 12.09%, and the uninsured share of United Community Bank (Greenville, SC) was 39.39%. Source: FDIC Call Reports.
Key takeaways
- Since , United Community Bank (Greenville, SC) has taken over 11 institutions; the latest was Peach State Bank & Trust on (FDIC Call Reports).
- On efficiency ratio, United Community Bank (Greenville, SC) slipped from 180th to 251st among 500 US banks between and (1 = lowest; FDIC Call Reports).
What sets United Community Bank (Greenville, SC) apart
How large is United Community Bank (Greenville, SC)?
The balance sheet of United Community Bank (Greenville, SC) at : assets $29.0 bn, deposits $24.1 bn, net loans $19.8 bn (loans equal to 82.32% of deposits). Securities make up 21.6% of total assets at United Community Bank (Greenville, SC). Since , when United Community Bank (Greenville, SC) held $9.7 bn, its assets grew 197.4%. In the year to , deposits at United Community Bank (Greenville, SC) fell 1.3% while its total assets rose 3.4%. At , United Community Bank (Greenville, SC) employed 3,130 full-time equivalent staff across 190 offices, about $9.3 mn of assets per employee and $126.7 mn of deposits per office.
How much funding at United Community Bank (Greenville, SC) is uninsured?
At United Community Bank (Greenville, SC), uninsured deposits (above the FDIC limit) made up 39.39% of domestic deposits at (-0.13 pp on a year earlier); United Community Bank (Greenville, SC) ranks 194th of 500 on this measure. In dollars, United Community Bank (Greenville, SC) estimated $9.5 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $24.1 bn | -1.3% | 75th of 499 |
| Net loans and leases | $19.8 bn | +5.7% | 76th of 500 |
| Loan-to-deposit ratio | 82.32% | +5.47 pp | 315th of 500 |
| Tier 1 leverage ratio | 9.52% | +0.04 pp | 368th of 500 |
| Total risk-based capital ratio | 12.93% | -0.73 pp | 362nd of 448 |
| Net interest margin | 3.68% | +0.22 pp | 232nd of 500 |
| Return on assets (ROA) | 1.40% | +0.29 pp | 197th of 500 |
| Efficiency ratio | 55.92% | +1.38 pp | 251st of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $330.1 mn | Narrowed by $40.8 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $140.0 mn | Narrowed by $30.7 mn | |
| Noncurrent loans to total loans | 0.51% | +0.08 pp | 203rd of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.19% | 0.00 pp | 335th of 500 (1 = lowest) |
US rank of United Community Bank (Greenville, SC): 1 = highest unless marked 1 = lowest.
Balance sheet
United Community Bank (Greenville, SC): assets, deposits and loans
- Total assets $29.0bn
- Deposits $24.1bn
- Net loans $19.8bn
Capital and securities
The CET1 ratio of United Community Bank (Greenville, SC) stood at 12.09% in , -0.51 pp year on year. Low and high at United Community Bank (Greenville, SC) since : 12.09% () to 14.87% (). Equity capital of United Community Bank (Greenville, SC) at : $3.4 bn, or 11.8% of total assets. United Community Bank (Greenville, SC) also reported a total capital ratio of 12.93% for , and a tier 1 leverage ratio of 9.52%.
On held-to-maturity securities, United Community Bank (Greenville, SC) carried an unrealized loss of $330.1 mn at , equal to 9.6% of equity capital. The loss narrowed by $40.8 mn over the year. Its deepest point: $526.4 mn in . The available-for-sale portfolio of United Community Bank (Greenville, SC) showed an unrealized loss of $140.0 mn at ; the loss narrowed by $30.7 mn over the year.
United Community Bank (Greenville, SC): capital ratios
- Total capital 13%
- CET1 12%
- Tier 1 leverage 9.5%
United Community Bank (Greenville, SC): unrealized securities gains and losses
- Available for sale -$140mn
- Held to maturity -$330mn
Profitability and loan quality
For the year to , United Community Bank (Greenville, SC) earned a return on equity of 11.65%; return on assets: 1.40%. Net interest margin at United Community Bank (Greenville, SC): 3.68%, +0.22 pp in a year. United Community Bank (Greenville, SC) net income: $198.1 mn, up 27.1% year on year. The efficiency ratio of United Community Bank (Greenville, SC) was 55.92%: about 56 cents cost per revenue dollar, against 50 cents at the median peer.
At , noncurrent loans were 0.51% of total loans at United Community Bank (Greenville, SC); net charge-offs: 0.19% of average loans. Gross loans and leases at United Community Bank (Greenville, SC): $20.0 bn, up 5.4% in a year.
United Community Bank (Greenville, SC): profitability
- Return on equity 12%
- Net interest margin 3.7%
- Return on assets 1.4%
Peer group of United Community Bank (Greenville, SC)
The peer group of United Community Bank (Greenville, SC) is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 0 share the charter type of United Community Bank (Greenville, SC) (state member bank), 6 sit in the same size group ($10 bn to $100 bn) and 0 have head offices in South Carolina. Against them, United Community Bank (Greenville, SC) shows CET1 ratio 12.09% against a peer median of 12.54%, return on equity 11.65% against a peer median of 10.19% and uninsured deposit share 39.39% against a peer median of 43.56%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Eastern Bank | State nonmember bank | MA | $31.1 bn | 12.07% | 8.52% | 41.56% | |
| BNY Mellon | National bank | PA | $30.6 bn | 15.97% | 7.66% | 53.68% | |
| City National Bank of Florida | National bank | FL | $29.1 bn | 14.65% | 11.86% | 51.50% | |
| United Community Bank | State member bank | SC | $29.0 bn | 12.09% | 11.65% | 39.39% | |
| Axos Bank | Federal savings bank | CA | $28.9 bn | 10.93% | 22.41% | 21.23% | |
| Sallie Mae Bank | State nonmember bank | UT | $28.5 bn | 11.78% | 27.51% | 7.15% | |
| Ameris Bank | State nonmember bank | GA | $28.4 bn | 13.01% | 8.46% | 45.56% | |
. FDIC Call Reports.
Last eight quarters
Two years at United Community Bank (Greenville, SC), to : assets +6.2%, deposits +1.5%, equity +4.3%. Staff 2,974 to 3,130; offices 192 to 190.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $27.3 bn | $27.7 bn | $27.8 bn | $28.0 bn | $28.1 bn | $27.9 bn | $28.1 bn | $29.0 bn |
| Total deposits | $23.7 bn | $23.9 bn | $24.2 bn | $24.4 bn | $24.4 bn | $24.1 bn | $24.4 bn | $24.1 bn |
| Bank equity capital | $3.3 bn | $3.3 bn | $3.3 bn | $3.4 bn | $3.4 bn | $3.4 bn | $3.4 bn | $3.4 bn |
| CET1 ratio | 13.06% | 13.05% | 12.68% | 12.60% | 12.48% | 12.34% | 12.19% | 12.09% |
| Return on equity (ROE) | 7.76% | 8.10% | 9.10% | 9.33% | 9.80% | 9.91% | 9.67% | 11.65% |
| Uninsured share of domestic deposits | 38.93% | 40.07% | 40.35% | 39.52% | 40.36% | 40.65% | 41.46% | 39.39% |
| Full-time equivalent employees | 2,974 | 2,967 | 2,970 | 3,038 | 3,046 | 3,059 | 3,107 | 3,130 |
| Number of offices | 192 | 191 | 191 | 191 | 190 | 190 | 191 | 190 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of United Community Bank (Greenville, SC), oldest first; figures before and after each event are not like for like.
- . Absorbed Tidelands Bank (FDIC certificate 57594).
- . Absorbed Horry County State Bank (FDIC certificate 27139).
- . Absorbed Four Oaks Bank & Trust Company (FDIC certificate 11506).
- . Absorbed First Madison Bank & Trust (FDIC certificate 57898).
- . Absorbed Seaside National Bank & Trust (FDIC certificate 58328).
- . Absorbed Aquesta Bank (FDIC certificate 58296).
- . Absorbed Reliant Bank (FDIC certificate 58366).
- . Absorbed Progress Bank and Trust (FDIC certificate 58719).
- . Absorbed The First National Bank of South Miami (FDIC certificate 17093).
- . Absorbed American National Bank (FDIC certificate 26398).
- . Absorbed Peach State Bank & Trust (FDIC certificate 57923).
Questions and identifiers
What were the total assets of United Community Bank (Greenville, SC)?
United Community Bank (Greenville, SC) reported $29.0 bn at in its Call Report. That makes United Community Bank (Greenville, SC) the 73rd largest of 497 banks in our US coverage.
Is United Community Bank (Greenville, SC) the same as its holding company?
No. This page covers United Community Bank (Greenville, SC), FDIC certificate 16889; UNITED COMMUNITY BANKS INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is United Community Bank (Greenville, SC) profitable?
United Community Bank (Greenville, SC) reported net income of $198.1 mn for the year to ; annualized return on equity: 11.65%. So yes: United Community Bank (Greenville, SC) made a profit over these months.
When is data for United Community Bank (Greenville, SC) next updated?
Figures from United Community Bank (Greenville, SC) for are due after .
Where can I check the figures for United Community Bank (Greenville, SC)?
In the FDIC BankFind Suite record for certificate 16889, and in the Call Reports of United Community Bank (Greenville, SC) (RSSD ID 1017939) at the FFIEC Central Data Repository.