BlastPoint's Banking Scorecard
United Community Bank
Large
Specialty: Commercial
SC
FDIC cert 16889
Greenville, SC
69
banks in Large tier nationally
1 in SC
View Large leaderboard (SC) →
United Community Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 50% in Large
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$27.9B
+1.0% YoY
-0.6% QoQ
|
-$46.9B |
$74.9B
-4.4% YoY
|
$1.4B
+4.5% YoY
|
$5.9B
+6.5% YoY
|
16% |
| Total Loans ? |
$19.2B
+6.6% YoY
+1.2% QoQ
|
-$27.2B |
$46.4B
-2.1% YoY
|
$973.5M
+7.4% YoY
|
$3.1B
+8.5% YoY
|
17% |
| Total Deposits ? |
$24.1B
+1.2% YoY
-1.1% QoQ
|
-$36.3B |
$60.5B
-4.5% YoY
|
$1.2B
+4.1% YoY
|
$4.7B
+6.3% YoY
|
17% |
| Return on Assets ? |
1.19%
+23.7% YoY
+1.5% QoQ
|
-0.01% |
1.19%
+17.8% YoY
|
0.95%
+14.5% YoY
|
1.12%
+15.6% YoY
|
54% |
| Net Interest Margin ? |
3.60%
+5.8% YoY
+1.6% QoQ
|
+0.14% |
3.46%
+13.1% YoY
|
3.61%
+7.8% YoY
|
3.75%
+7.1% YoY
|
61% |
| Efficiency Ratio ? |
53.77%
-6.2% YoY
-0.5% QoQ
|
-1.26% |
55.03%
-2.8% YoY
|
68.53%
-3.0% YoY
|
65.09%
-5.1% YoY
|
64% |
| Delinquency Rate ? |
0.47%
-24.7% YoY
-6.6% QoQ
|
-0.40% |
0.88%
-0.3% YoY
|
0.35%
-2.9% YoY
|
0.66%
+20.3% YoY
|
74% |
| Loan-to-Deposit Ratio ? |
79.60%
+5.3% YoY
+2.3% QoQ
|
-2.12% |
81.72%
+3.9% YoY
|
73.98%
+1.0% YoY
|
78.04%
+0.7% YoY
|
68% |
| Non-Interest-Bearing Deposit Share ? |
26.21%
-0.5% YoY
-1.7% QoQ
|
+6.24% |
19.97%
+0.5% YoY
|
20.79%
-0.7% YoY
|
21.79%
-1.3% YoY
|
71% |
| Nonperforming Asset Ratio ? |
0.33%
-22.1% YoY
-4.2% QoQ
|
-0.22% |
0.55%
+9.0% YoY
|
0.23%
-5.4% YoY
|
0.48%
+20.8% YoY
|
72% |
| Tier 1 Capital Ratio ? |
12.34%
-5.5% YoY
-1.1% QoQ
|
-0.99% |
13.33%
-0.7% YoY
|
12.85%
+2.9% YoY
|
9.75%
-1.9% YoY
|
35% |
| Non-Interest Income / Assets ? |
0.53%
+33.7% YoY
+36.3% QoQ
|
-0.55% |
1.09%
+2.4% YoY
|
0.49%
-7.0% YoY
|
0.65%
+0.6% YoY
|
34% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Flatlined Growth
risk
#9 of 17 · Bottom 50% in Large
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
1.19%
(Tier: 1.19%, National: 1.12%)
17 of 17 Large banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
74
74th pctile
Delinquency Rate
Current: 0.47% · Tier avg: 0.88%
72
72th pctile
Nonperforming Asset Ratio
Current: 0.33% · Tier avg: 0.55%
71
71th pctile
Non-Interest-Bearing Deposit Share
Current: 26.21% · Tier avg: 19.97%
68
68th pctile
Loan-to-Deposit Ratio
Current: 79.60% · Tier avg: 81.72%
64
64th pctile
Efficiency Ratio
Current: 53.77% · Tier avg: 55.03%
61
61th pctile
Net Interest Margin
Current: 3.60% · Tier avg: 3.46%
54
54th pctile
Return on Assets
Current: 1.19% · Tier avg: 1.19%
35
35th pctile
Tier 1 Capital Ratio
Current: 12.34% · Tier avg: 13.33%
34
34th pctile
Non-Interest Income / Assets
Current: 0.53% · Tier avg: 1.09%
17
17th pctile
Total Loans
Current: $19.2B · Tier avg: $46.4B
17
17th pctile
Total Deposits
Current: $24.1B · Tier avg: $60.5B
16
16th pctile
Total Assets
Current: $27.9B · Tier avg: $74.9B
Top Weaknesses
16
16th pctile
Total Assets
Current: $27.9B · Tier avg: $74.9B
17
17th pctile
Total Deposits
Current: $24.1B · Tier avg: $60.5B
17
17th pctile
Total Loans
Current: $19.2B · Tier avg: $46.4B
34
34th pctile
Non-Interest Income / Assets
Current: 0.53% · Tier avg: 1.09%
35
35th pctile
Tier 1 Capital Ratio
Current: 12.34% · Tier avg: 13.33%
54
54th pctile
Return on Assets
Current: 1.19% · Tier avg: 1.19%
61
61th pctile
Net Interest Margin
Current: 3.60% · Tier avg: 3.46%
64
64th pctile
Efficiency Ratio
Current: 53.77% · Tier avg: 55.03%
68
68th pctile
Loan-to-Deposit Ratio
Current: 79.60% · Tier avg: 81.72%
71
71th pctile
Non-Interest-Bearing Deposit Share
Current: 26.21% · Tier avg: 19.97%
72
72th pctile
Nonperforming Asset Ratio
Current: 0.33% · Tier avg: 0.55%
74
74th pctile
Delinquency Rate
Current: 0.47% · Tier avg: 0.88%