Headquartered in Greenville, South Carolina, United Community Bank is a state-chartered bank (fed member) with $29.0B in total assets and $24.1B in deposits as of Q2 2026. It operates 192 offices across 6 states. Its charter dates back to 1950.
Based on its Q2 2026 filing, United Community Bank scores 67/100, which we describe as moderate. That is higher than 63% of 132 banks with $10 billion – $100 billion. Among 44 banks headquartered in South Carolina, it ranks 34th. Its strongest component is problem-loan coverage (94/100; 2.9%), and its lowest is capital cushion (45/100; 9.52%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (66 → 67).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 64 |
| Q3 2024 | 63 |
| Q4 2024 | 63 |
| Q1 2025 | 65 |
| Q2 2025 | 66 |
| Q3 2025 | 65 |
| Q4 2025 | 65 |
| Q1 2026 | 65 |
| Q2 2026 | 67 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.66% |
| Q3 2024 | 9.62% |
| Q4 2024 | 9.46% |
| Q1 2025 | 9.37% |
| Q2 2025 | 9.48% |
| Q3 2025 | 9.52% |
| Q4 2025 | 9.42% |
| Q1 2026 | 9.50% |
| Q2 2026 | 9.52% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.63% |
| Q3 2024 | 0.62% |
| Q4 2024 | 0.62% |
| Q1 2025 | 0.49% |
| Q2 2025 | 0.42% |
| Q3 2025 | 0.50% |
| Q4 2025 | 0.47% |
| Q1 2026 | 0.49% |
| Q2 2026 | 0.51% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.03% |
| Q3 2024 | 0.92% |
| Q4 2024 | 0.96% |
| Q1 2025 | 1.08% |
| Q2 2025 | 1.11% |
| Q3 2025 | 1.17% |
| Q4 2025 | 1.19% |
| Q1 2026 | 1.17% |
| Q2 2026 | 1.40% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 67 | $29.0B | 9.52% | 0.51% | 1.40% | 82.3% |
| Q1 2026 | 65 | $28.1B | 9.50% | 0.49% | 1.17% | 79.6% |
| Q4 2025 | 65 | $27.9B | 9.42% | 0.47% | 1.19% | 79.6% |
| Q3 2025 | 65 | $28.1B | 9.52% | 0.50% | 1.17% | 77.8% |
| Q2 2025 | 66 | $28.0B | 9.48% | 0.42% | 1.11% | 76.9% |
| Q1 2025 | 65 | $27.8B | 9.37% | 0.49% | 1.08% | 75.3% |
| Q4 2024 | 63 | $27.7B | 9.46% | 0.62% | 0.96% | 75.6% |
| Q3 2024 | 63 | $27.3B | 9.62% | 0.62% | 0.92% | 75.1% |
| Q2 2024 | 64 | $27.0B | 9.66% | 0.63% | 1.03% | 77.1% |
132 peers · $10 billion – $100 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Deposit insurance
Is my money safe at United Community Bank?
Yes. United Community Bank is an FDIC-insured institution (FDIC certificate #16889). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 39.4% of deposits ($9.5B) are above the $250,000 FDIC insurance limit, close to the peer median of 38%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.52%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.93% (benchmark: 10%).
192 locations
Branches
United Community Bank lists 190 offices in 162 cities across 6 states. Most locations:
- Gainesville, GA (4)
- Greenville, SC (4)
- Birmingham, AL (3)
- Clarksville, TN (3)
- Savannah, GA (3)
- Blairsville, GA (2)
- Blue Ridge, GA (2)
- Brevard, NC (2)
- Brunswick, GA (2)
- Canton, GA (2)
- Charleston, SC (2)
- Charlotte, NC (2)
HMDA 2025
Mortgage lending
In 2025, United Community Bank reported 11,336 home-loan applications under HMDA (LEI T68X8LLAQYRNDV034K14): 7,529 originated ($2,165,555,000 total), 2,645 denied, and 915 withdrawn or closed by the applicant. Its denial rate on decided applications was 25.4%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- United Community Bank
- Former names
- Union County Bank
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 16889
- RSSD ID
- 1017939
- Primary regulator
- FED
- Holding company
- United Community Banks Inc
- Established
- March 1, 1950
- Headquarters
- 200 E Camperdown Way, Greenville, SC 29601
- Website
- www.ucbi.com
- Employees
- 3,130
Quick answers
United Community Bank: common questions
Is United Community Bank FDIC insured?
Yes. United Community Bank is an FDIC-insured institution (FDIC certificate #16889). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is United Community Bank's TellerScore?
67 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has United Community Bank ever failed?
There is no failure record for FDIC certificate #16889 in the FDIC failed bank list.
How many branches does United Community Bank have?
192 offices as of the latest FDIC data, in 6 states.
Nearby
Highest-scoring banks and credit unions with branches near Greenville
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| S. C. State Federal Credit UnionCredit union Columbia, SC | 91 out of 100, Very strong | $1.5B | 15.6% | 0.82% | vs |
| The Peoples BankBank Iva, SC | 89 out of 100, Very strong | $446.7M | 12.9% | 0.00% | vs |
| First Piedmont Federal Savings and Loan Association of GaffneyBank Gaffney, SC | 84 out of 100, Strong | $597.1M | 29.1% | 0.73% | vs |
| Curis Financial Credit UnionCredit union Columbia, SC | 82 out of 100, Strong | $84.3M | 23.5% | 0.59% | vs |
| Greenville Heritage Federal Credit UnionCredit union Greenville, SC | 80 out of 100, Strong | $181.2M | 12.5% | 0.34% | vs |
| CBL State Savings BankBank Greer, SC | 80 out of 100, Strong | $191.3M | 15.9% | 0.01% | vs |