FDIC Cert #16889 · Greenville, South Carolina · Est. 1950

United Community Bank - FDIC Bank Health Profile

One of the largest FDIC-insured institutions in the country, drawn straight from its quarterly Call Report to BankFind Suite.

Compiled from official public sources by the publisher.
$27.9B
Total assets
A
Health grade · Excellent
1.19%
Return on assets
12.3%
Tier 1 capital

Data updated July 2026

The verdict

United Community Bank earns a PlainBankData health grade of A (87/100), with well-capitalized at 12.34% Tier 1, profitable at 1.19% ROA, efficient (54% cost ratio).

#75
largest of 4,313 FDIC banks by assets
98th
percentile by asset size, nationally
12.34%
Tier 1 ratio - above the 10% well-capitalized line
56th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 16889 · SC A · 87/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-LARGE · BOOK-FULL

  • GRADE-A A (87/100)
  • MID-PACK #1152/4307
  • PHOTO-FINISH Citizens Deposit Ban… · KY
  • TIER1-WELL 12.3% Tier 1
  • TEXAS-CLEAN 2.5% Texas
  • ROA-PAR 1.19% ROA
  • SIZE-LARGE $10–100B
  • BOOK-FULL 9/9 fields

Nearest health peer outside South Carolina: Citizens Deposit Bank of Arlington, Inc., KY (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around United Community Bank

Lowest and highest poles plus nearest scored peers outside South Carolina, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank of Colorado · CO · near87/100Citizens Deposit Ban… · KY ·…87/100Elkhorn Valley Bank… · NE · …87/100SOLUTIONS NORTH BANK · KS · …87/100United Community Bank · SC ·…87/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around United Community Bank · July 2026

Call Report read for United Community Bank in a high-failure state

United Community Bank (FDIC Cert #16889) carries a PlainBankData health grade of A at 87/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,152 of 4,307. Tier 1 capital prints at 12.34%, clearing the 10% well-capitalized line. The Texas Ratio is 2.53%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.19%. Balance-sheet scale is $27.9B, 75th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Citizens Deposit Bank of Arlington, Inc. (KY), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around United Community Bank

10 FAILURE resolutions in South Carolina since 2000, heavy vs the state corpus

United Community Bank sits in one of the heavier post-2000 FAILURE states (10 resolutions; latest year 2014). The list below is state history from the Failed Bank List, not a claim about United Community Bank's current Call Report.

  • ALLENDALE COUNTY BANK FAIRFAX, SC 2014 → PALMETTO STATE BANK
  • CAROLINA FEDERAL SAVINGS BANK CHARLESTON, SC 2012 → BANK OF NORTH CAROLINA
  • PLANTATION FEDERAL BANK PAWLEYS ISLAND, SC 2012 → FIRST FEDERAL BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and South Carolina banks.

How United Community Bank's 87/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10087/100
United Community Bank's composite health score
Tier 1 Capital Ratio (12.34%) 35/40
Return on Assets (ROA) (1.19%) 20/25
Texas Ratio (2.53%) 20/20
Efficiency Ratio (53.77%) 12/15

87 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$27.9B

Total balance-sheet footings

Total Deposits

$24.1B

Customer-funded liabilities

Net Loans

$19.2B

Outstanding loan book

Net Income

$333M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 10.94% 12.34% 13.74%
Basel III capital ratios - United Community Bank

Where United Community Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. United Community Bank's score of 87/100 falls in the highlighted band.

United Community Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

87 Top 27% higher than 73% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. United Community Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

United Community Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). United Community Bank's $27.9B falls in the highlighted band.

Capital & credit buffers at United Community Bank

Tier 1 capital ratio
Well-capitalized 10%

12.34% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
12.34%
Texas Ratio
2.53%
Equity Capital
$3.4B

What these ratios mean →

Earnings posture at United Community Bank

Return on Assets (ROA)
56th percentile nationally
1.19%
Return on Equity (ROE)
9.91%
Efficiency Ratio
53.77%

What these mean →

Income & expense at United Community Bank

$1.4B
Interest Income
$149M
Non-Interest Income
$584M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. United Community Bank reports a Texas Ratio of 2.53% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

2.53% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View United Community Bank on FDIC BankFind →

Top banks in South Carolina by total assets

Largest banks headquartered in South Carolina
  1. 1
    United Community Bank $27.9B

    Greenville, SC · Grade A

  2. 2
    Southern First Bank $4.4B

    Greenville, SC · Grade B

  3. 3
    Coastal States Bank $2.3B

    Hilton Head Island, SC · Grade A

  4. 4
    Anderson Brothers Bank $2.2B

    Mullins, SC · Grade A

  5. 5
    First Community Bank $2.1B

    Lexington, SC · Grade A

Top 5 banks in South Carolina ranked by total assets · FDIC Call Report Q4 2025.

National size peers: banks closest to United Community Bank by assets

Measured strictly by total assets rather than geography, United Community Bank's closest national peers include City National Bank of Florida, Arvest Bank, WesBanco Bank, Inc., Ameris Bank, spanning 6 different states -- a reminder that at this scale, competition and comparison happen nationally, not just within South Carolina. Averaged across this asset-matched cohort, return on assets runs 1.11% (United Community Bank is above that at 1.19%), the efficiency ratio averages 55.59% (United Community Bank runs leaner at 53.77%), and Tier 1 capital averages 12.64% (United Community Bank holds less at 12.34%). None of this cohort competes on branch count alone -- balance-sheet scale, funding mix, and regulatory capital posture are the metrics that actually separate similarly-sized institutions.

At $27.9B in assets, United Community Bank has crossed the $10 billion threshold at which the CFPB takes over direct supervision for consumer-protection compliance under Dodd-Frank Act Section 1025, rather than leaving that oversight solely to the bank's primary prudential regulator.

Closest banks to United Community Bank nationally by total assets
  1. 1
    City National Bank of Florida $28.0B

    Miami, FL · Grade A

  2. 2
    Arvest Bank $27.8B

    Fayetteville, AR · Grade C

  3. 3
    WesBanco Bank, Inc. $27.6B

    Wheeling, WV · Grade A

  4. 4
    Ameris Bank $27.4B

    Atlanta, GA · Grade A

  5. 5
    WaFd Bank $27.3B

    Seattle, WA · Grade B

  6. 6
    Axos Bank $27.2B

    San Diego, CA · Grade A

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 1
United Community Bank (this bank) SC $27.9B 1.19% 53.77% 12.34%
City National Bank of Florida FL $28.0B 0.96% 48.16% 14.38%
Arvest Bank AR $27.8B 0.49% 83.77% 11.41%
WesBanco Bank, Inc. WV $27.6B 0.91% 57.60% 12.06%
Ameris Bank GA $27.4B 1.64% 46.67% 13.43%
WaFd Bank WA $27.3B 0.91% 54.50% 13.44%
Axos Bank CA $27.2B 1.77% 42.85% 11.12%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($27.9B here), outside South Carolina so the neighborhood is not state containment.

City National Bank of Florida $28.0B · FL Arvest Bank $27.8B · AR WesBanco Bank, Inc. $27.6B · WV Ameris Bank $27.4B · GA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) United Community Bank (FDIC Cert #16889) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

United Community Bank Call Report profile · FDIC Failed Bank List · South Carolina FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in South Carolina

All South Carolina banks →
BankAssetsGradeROA
Southern First BankGreenville $4.4B B 0.75%
Coastal States BankHilton Head Island $2.3B A 1.17%
Anderson Brothers BankMullins $2.2B A 1.38%
First Community BankLexington $2.1B A 1.07%
The Conway National BankConway $1.9B A 1.23%
South Atlantic BankMyrtle Beach $1.9B B 0.93%
Bank of Travelers RestTravelers Rest $1.6B A 1.44%
Security Federal BankAiken $1.6B B 0.72%