BlastPoint's Banking Scorecard
United Community Bank
Community
Specialty: Commercial
LA
FDIC cert 19143
Raceland, LA
1484
banks in Community tier nationally
37 in LA
View Community leaderboard (LA) →
United Community Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 42% in Community
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 64% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$681.2M
+9.6% YoY
+2.6% QoQ
|
-$710.3M |
$1.4B
+2.0% YoY
|
$757.6M
+4.2% YoY
|
$5.9B
+6.5% YoY
|
26% |
| Total Loans ? |
$494.6M
+2.9% YoY
-1.9% QoQ
|
-$480.9M |
$975.5M
+2.4% YoY
|
$510.8M
+1.6% YoY
|
$3.1B
+8.5% YoY
|
30% |
| Total Deposits ? |
$559.7M
+8.3% YoY
+2.9% QoQ
|
-$604.9M |
$1.2B
+1.7% YoY
|
$647.1M
+4.0% YoY
|
$4.7B
+6.3% YoY
|
23% |
| Return on Assets ? |
1.87%
-15.7% YoY
+8.3% QoQ
|
+0.70% |
1.16%
+17.2% YoY
|
1.09%
+11.0% YoY
|
1.12%
+15.6% YoY
|
Top 12% in tier |
| Net Interest Margin ? |
5.65%
-5.9% YoY
-1.5% QoQ
|
+1.98% |
3.66%
+9.1% YoY
|
4.11%
+6.6% YoY
|
3.75%
+7.1% YoY
|
Top 2% in tier |
| Efficiency Ratio ? |
66.60%
+5.7% YoY
-3.3% QoQ
|
+3.97% |
62.63%
-5.3% YoY
|
68.99%
-3.0% YoY
|
65.09%
-5.1% YoY
|
36% |
| Delinquency Rate ? |
0.59%
-4.1% YoY
+7.7% QoQ
|
-0.04% |
0.63%
+18.3% YoY
|
1.20%
-3.6% YoY
|
0.66%
+20.3% YoY
|
41% |
| Loan-to-Deposit Ratio ? |
88.37%
-5.0% YoY
-4.6% QoQ
|
+5.31% |
83.06%
+0.3% YoY
|
76.53%
+1.5% YoY
|
78.04%
+0.7% YoY
|
60% |
| Non-Interest-Bearing Deposit Share ? |
27.33%
-13.9% YoY
-7.8% QoQ
|
+6.28% |
21.05%
-0.9% YoY
|
23.36%
-2.3% YoY
|
21.79%
-1.3% YoY
|
77% |
| Nonperforming Asset Ratio ? |
0.88%
-19.0% YoY
+0.1% QoQ
|
+0.38% |
0.50%
+20.3% YoY
|
0.96%
+1.0% YoY
|
0.48%
+20.8% YoY
|
23% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
8.68%
-5.6% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.48%
-21.4% YoY
+71.0% QoQ
|
-0.26% |
0.74%
-1.3% YoY
|
0.55%
-11.7% YoY
|
0.65%
+0.6% YoY
|
45% |
Signature Analysis
Strengths (1)
Deposit Franchise
growth
#64 of 150 · Top 42% in Community
Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Why this signature
Noninterest-Bearing Deposit Share:
27.33%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
5.65%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
|
QoQ rank declining
Concerns (1)
Margin Compression
decline
#77 of 120 · Bottom 64% in Community
Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Why this signature
Return on Assets:
1.87%
(Tier: 1.16%, National: 1.12%)
120 of 120 Community banks match
·
147 nationally
→ Stable
-9 banks QoQ
|
QoQ rank declining
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
98
98th pctile
Net Interest Margin
Current: 5.65% · Tier avg: 3.66%
88
88th pctile
Return on Assets
Current: 1.87% · Tier avg: 1.16%
77
77th pctile
Non-Interest-Bearing Deposit Share
Current: 27.33% · Tier avg: 21.05%
60
60th pctile
Loan-to-Deposit Ratio
Current: 88.37% · Tier avg: 83.06%
45
45th pctile
Non-Interest Income / Assets
Current: 0.48% · Tier avg: 0.74%
41
41th pctile
Delinquency Rate
Current: 0.59% · Tier avg: 0.63%
36
36th pctile
Efficiency Ratio
Current: 66.60% · Tier avg: 62.63%
30
30th pctile
Total Loans
Current: $494.6M · Tier avg: $975.5M
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
26
26th pctile
Total Assets
Current: $681.2M · Tier avg: $1.4B
23
23th pctile
Total Deposits
Current: $559.7M · Tier avg: $1.2B
23
23th pctile
Nonperforming Asset Ratio
Current: 0.88% · Tier avg: 0.50%
Top Weaknesses
23
23th pctile
Nonperforming Asset Ratio
Current: 0.88% · Tier avg: 0.50%
23
23th pctile
Total Deposits
Current: $559.7M · Tier avg: $1.2B
26
26th pctile
Total Assets
Current: $681.2M · Tier avg: $1.4B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
30
30th pctile
Total Loans
Current: $494.6M · Tier avg: $975.5M
36
36th pctile
Efficiency Ratio
Current: 66.60% · Tier avg: 62.63%
41
41th pctile
Delinquency Rate
Current: 0.59% · Tier avg: 0.63%
45
45th pctile
Non-Interest Income / Assets
Current: 0.48% · Tier avg: 0.74%
60
60th pctile
Loan-to-Deposit Ratio
Current: 88.37% · Tier avg: 83.06%
77
77th pctile
Non-Interest-Bearing Deposit Share
Current: 27.33% · Tier avg: 21.05%
88
88th pctile
Return on Assets
Current: 1.87% · Tier avg: 1.16%
98
98th pctile
Net Interest Margin
Current: 5.65% · Tier avg: 3.66%