Side-by-side · Q2 2026 data
United Community Bank vs Southern First Bank
Metric by metric
| Measure | United Community Bank | Southern First Bank |
|---|---|---|
| TellerScore | 67 (stronger) | 59 |
| Capital cushion | 45 (stronger) | 39 |
| Loan quality | 83 | 91 (stronger) |
| Earnings | 76 (stronger) | 58 |
| Funding & liquidity | 51 (stronger) | 26 |
| Problem-loan coverage | 94 | 94 |
| Peer percentile | 63rd | 19th |
| Total assets | $29.0B | $4.7B |
| Deposits / shares | $24.1B | $4.0B |
| Capital ratio | 9.52% (stronger) | 8.89% |
| Problem loans | 0.51% | 0.28% (stronger) |
| Net charge-offs | 0.19% | 0.01% (stronger) |
| Return on assets | 1.40% (stronger) | 0.96% |
| Loans ÷ deposits | 82.3% (stronger) | 99.8% |
| Uninsured deposits | 39.4% (stronger) | 45.9% |
| Offices | 190 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 25.4% | 12.6% |
United Community Bank has the higher TellerScore (67 vs 59). On the 7 directional measures above (where higher or lower is clearly better), United Community Bank leads on 5 and Southern First Bank on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.