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Q2 2026 · read from the 30 June 2026 Call Report · United States · Southeast · South Carolina, the state note

United Community Bank

Greenville, South Carolina · $28.99B in assets · beside the 11 other the Southeast banks over $10B (the state alone holds too few in the band to rank)

The filing

216.0%
CRE / capital
3rd of 12
30.2%
CRE / loans
4th of 12
83.0%
Loans / deposits
5th of 12

United Community Bank is the sixth largest of the 12 the Southeast banks nearest its size over $10B, with $28.99B in assets at 30 June 2026. Loans are 83.0% of deposits, 5th of 12 against a median of 89.6%, and equity is 11.8% of assets, 8th of 12. Loans grew +5.4% in the year, 7th of 12, and deposits fell 1.3%; the cohort's median loan growth is +6.5%.

Noncurrent loans are 0.51% of the book, 6th of 12 against a median of 0.54%; 0.11% is 30 to 89 days past due, and the allowance covers them 1.7 times. Net charge-offs are 0.18% of loans, 9th of 12. Commercial real estate is 30.2% of loans, 4th of 12 against a median of 39.5%, and 216% of capital, below the 300% screen, with construction at 48% against the 100% screen.

Return on assets is 1.39%, 6th of 12 against a median of 1.39%, on an efficiency ratio of 57.0%, 8th of 12. Five years ago it was 1.58%. The question is which of these lines moves first over the next four quarters, and against which peer.

Commercial real estate against capital, the 300% screenSoutheast banks over $10B · 30 June 2026 · lower is stronger, listed first
median 253% RJ Raymond James Bank 121% BN Bankunited National Association 194% UC United Community Bank 216% LO Live Oak Banking Co. 227% SN Seacoast National Bank 230% T Townebank 249% CN City National Bank of Florida 258% AB Ameris Bank 263% AU Atlantic Union Bank 264% WB Wesbanco Bank Inc 268% FB First Bank 280% UB United Bank 299%
Loans, year over yearSoutheast banks over $10B · 30 June 2026 · no better direction, largest first
median +6.5% SN Seacoast National Bank +24.0% T Townebank +22.9% LO Live Oak Banking Co. +15.6% FB First Bank +9.3% CN City National Bank of Florida +7.7% RJ Raymond James Bank +7.5% UC United Community Bank +5.4% AB Ameris Bank +5.0% AU Atlantic Union Bank +4.9% UB United Bank +3.9% WB Wesbanco Bank Inc +3.1% BN Bankunited National Association -0.1%

SBA 7(a), FY2008 to FY2026

United Community Bank is the 12th largest 7(a) lender into Georgia of 409, with $373M across 477 loans, 1.9% of everything approved in the state (Metro City Bank leads with $1.91B). 319 of its 552 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Georgia, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Mecklenburg, NC$108M5th of 1775.4%-2.3 pts
Greenville, SC$65M3rd of 1258.5%-3.8 pts
Gwinnett, GA$53M12th of 1692.3%+0.9 pts
Fulton, GA$43M21st of 2111.3%-0.6 pts
Jefferson, AL$42M1st of 1285.9%-2.2 pts
Harris, TX$39M49th of 3140.5%-0.5 pts
Wake, NC$37M11th of 1812.2%-1.2 pts
Orange, FL$34M19th of 2011.7%-1.5 pts
Cobb, GA$33M14th of 1821.9%-0.6 pts
Broward, FL$32M26th of 2091.0%+1.1 pts
Palm Beach, FL$28M23rd of 1951.1%+1.5 pts
Charleston, SC$28M7th of 1124.2%-0.2 pts
Horry, SC$26M3rd of 966.5%-9.7 pts
539 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Health care & social assistance548$535M23.3%1.13%14th of 2,172
Accommodation & food services659$512M22.3%0.67%37th of 2,596
Professional & technical services286$309M13.4%0.95%21st of 1,955
Retail trade308$192M8.4%0.32%63rd of 2,589
Other services241$178M7.8%0.51%44th of 2,248
7(a) lenders into Georgia, share of approvals since FY2008409 lenders on record; the ten largest and United Community Bank
MC Metro City Bank 9.6% $1.91B · 1,541 loans LO Live Oak Banking Company 4.9% $963M · 746 loans TH The Huntington National Bank 4.2% $835M · 1,424 loans AB Ameris Bank 4.0% $792M · 980 loans SB Southstate Bank, National Associa… 3.3% $661M · 785 loans TB Truist Bank 3.3% $654M · 1,625 loans PB Pinnacle Bank 3.1% $618M · 592 loans RB Renasant Bank 3.0% $597M · 783 loans HB Hometrust Bank 2.6% $515M · 441 loans WF Wells Fargo Bank National Associa… 2.5% $500M · 2,514 loans UC United Community Bank 1.9% $373M · 477 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
United Community BankRankCohort median
Total CRE against capital, the 300% screen216%3rd of 12253%
Construction against capital, the 100% screen48%6th of 1249%
Construction and land development, share of loans6.7%5th of 127.4%
Non-owner-occupied nonfarm nonresidential, share of loans20.0%3rd of 1224.0%
Total CRE, the guidance definition, share of loans30.2%4th of 1239.5%
CRE growth over 36 months, the third prong+9.0%1st of 12+24.1%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Raymond James Bank$45.60B1.7%35.4%0.28%0.04%0.9%89.8%7.3%
Atlantic Union Bank$38.02B1.6%50.4%0.50%0.02%1.0%93.8%15.2%
Bankunited National Association$34.86B0.9%57.7%1.69%0.36%0.9%82.3%9.1%
United Bank$33.64B1.5%46.3%0.44%0.09%1.2%91.6%16.7%
City National Bank of Florida$29.11B1.2%45.1%0.81%0.09%1.1%93.2%10.6%
United Community Bank$28.99B1.4%57.0%0.51%0.18%0.8%83.0%11.8%
Ameris Bank$28.42B1.2%61.0%0.57%0.20%1.6%99.8%14.3%
Wesbanco Bank Inc$27.75B1.4%52.9%0.86%0.09%1.1%89.7%15.2%
Townebank$22.62B2.1%57.8%0.22%0.10%1.3%82.2%13.2%
Seacoast National Bank$21.34B0.9%59.0%0.66%0.10%1.4%78.3%14.2%
Live Oak Banking Co.$15.96B1.0%53.2%4.01%0.65%1.5%89.5%7.6%
First Bank$13.03B1.5%49.1%0.49%0.05%1.4%81.1%13.6%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
United Community BankCohort median
20212026Change20212026Change
Loans$11.49B$19.99B+74%$11.98B$20.30B+69%
Deposits$16.59B$24.07B+45%$16.64B$22.40B+35%
NPA / loans0.40%0.51%+0.11 pts0.47%0.54%+0.07 pts
Efficiency52.7%57.0%+4.4 pts53.3%53.1%-0.3 pts
ROA1.58%1.39%-0.19 pts1.49%1.39%-0.10 pts

This read was prepared for United Community Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on United Community Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort Southeast banks over $10B
Institution www.ucbi.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by New England and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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