United Community Bank
Greenville, South Carolina, Greenville County
$29.0B in total assets, the 76th largest of 4,309 US banks and 1st of 44 headquartered in South Carolina.
- FDIC certificate
- 16889
- Established
- 1950
- Owned by
- United Community Banks Inc
- Primary regulator
- FED
- Website
- www.ucbi.com
At a glance
Compared with 132 US banks with $10 billion to $100 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $29.0B | 67% | $22.4B | |
| Loans | $20.0B | 65% | $14.4B | |
| Deposits | $24.1B | 67% | $18.0B | |
| Return on assets | 1.33% | 58% | 1.29% | |
| Net interest margin | 3.68% | 55% | 3.61% | |
| Efficiency ratio | 55.9% | 56% | 55.1% | |
| Equity to assets | 11.81% | 58% | 11.57% | |
| Loans to deposits | 83% | 36% | 87% |
Growth
Total assets grew 9.0% a year over the last 5 years and 11.3% a year over 10 years, including 10 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| May 2025 | American National Bank Oakland Park, FL | $452M |
| Jul 2023 | The First National Bank of South Miami South Miami, FL | $1.0B |
| Jan 2023 | Progress Bank and Trust Huntsville, AL | $1.8B |
| Jan 2022 | Reliant Bank Brentwood, TN | $3.0B |
| Oct 2021 | Aquesta Bank Cornelius, NC | $757M |
| Jul 2020 | Seaside National Bank & Trust Orlando, FL | $2.2B |
| May 2019 | First Madison Bank & Trust Colbert, GA | $244M |
| Nov 2017 | Four Oaks Bank & Trust Company Four Oaks, NC | $724M |
| Jul 2017 | Horry County State Bank Loris, SC | $390M |
| Jul 2016 | Tidelands Bank Mount Pleasant, SC | $445M |
| Sep 2015 | The Palmetto Bank Greenville, SC | $1.2B |
| Jul 2015 | First National Bank Lenoir City, TN, an affiliate under the same holding company | $421M |
| Jun 2009 | Southern Community Bank Fayetteville, GA | $372M |
| Feb 2008 | United Community Bank Murphy, NC, an affiliate under the same holding company | $1.2B |
| Jul 2007 | First Bank of the South Lawrenceville, GA, an affiliate under the same holding company | $817M |
| Dec 2006 | Southern National Bank Marietta, GA | $346M |
| Apr 2006 | United Community Bank Tennessee Lenoir City, TN, an affiliate under the same holding company | $334M |
| Feb 2005 | Liberty National Bank Conyers, GA, an affiliate under the same holding company | $209M |
| Nov 2004 | Eagle National Bank Stockbridge, GA | $68M |
| Jun 2004 | 1st Community Bank Fairburn, GA | $189M |
| May 2003 | First Georgia Bank Brunswick, GA | $281M |
| Dec 2002 | United Communitiy Bank Dawson County Dawsonville, GA, an affiliate under the same holding company | $150M |
| Dec 2002 | United Community Bank White County Cleveland, GA, an affiliate under the same holding company | $205M |
| Dec 2002 | United Community Bank Towns County Hiawassee, GA, an affiliate under the same holding company | $118M |
| Dec 2002 | United Community Bank North Georgia Blue Ridge, GA, an affiliate under the same holding company | $360M |
| Dec 2002 | United Community Bank Metro Marietta, GA, an affiliate under the same holding company | $224M |
| Dec 2002 | United Community Bank Rabun County Clayton, GA, an affiliate under the same holding company | $141M |
| Dec 2002 | United Community Bank West Georgia Carrollton, GA, an affiliate under the same holding company | $122M |
| Apr 2001 | Bank of Adairsville Adairsville, GA, an affiliate under the same holding company | $80M |
| Apr 2001 | 1st Floyd Bank Rome, GA, an affiliate under the same holding company | $161M |
Where they operate
190 branches in 103 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Greenville County, SC | $1.5B | 8.5% | 6 of 36 |
| Hall County, GA | $893M | 15.3% | 2 of 16 |
| Fannin County, GA | $877M | 60.5% | 1 of 6 |
| Forsyth County, GA | $793M | 10.6% | 4 of 19 |
| Union County, GA | $711M | 56.1% | 1 of 5 |
| Gwinnett County, GA | $705M | 2.8% | 7 of 39 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 64 branches since 2016 (126 to 190, +50.8%). 23 opened, 95 acquired, 54 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 126 | |||
| 2016 | Acquired Tidelands BankClosed Lenoir City | 7 | 1 | +6 | 132 |
| 2017 | Acquired Horry County State Bank and Four Oaks Bank & Trust CompanyClosed 5 in Georgia | 21 | 5 | +16 | 148 |
| 2018 | Opened LaurensClosed 6 in 2 states | 1 | 6 | −5 | 143 |
| 2019 | Acquired First Madison Bank & TrustOpened 3 in 3 states, closed 6 in 3 states | 6 | 6 | 0 | 143 |
| 2020 | Acquired Seaside National Bank & TrustOpened Columbia and Lexington, closed 6 in 3 states | 16 | 6 | +10 | 153 |
| 2021 | Acquired Aquesta BankOpened 3 in 3 states | 12 | 0 | +12 | 165 |
| 2022 | Acquired Reliant BankOpened Melbourne and Naples, closed 6 in 4 states | 26 | 6 | +20 | 185 |
| 2023 | Acquired The First National Bank of South Miami and Progress Bank and TrustOpened 9 in 4 states, closed 9 in 6 states | 25 | 9 | +16 | 201 |
| 2024 | Sold 2 branches to Apex BankOpened Clinton, closed 9 in 5 states | 1 | 11 | −10 | 191 |
| 2025 | Acquired American National BankOpened Cary, closed 3 in 3 states | 2 | 3 | −1 | 190 |
| 2026 through Q2 | Opened Winston SalemClosed Boca Raton | 1 | 1 | 0 | 190 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 40% | 25% | |
| 1-4 family residential | 25% | 21% | |
| Business (C&I) | 22% | 17% | |
| Construction and land | 7% | 6% | |
| Multifamily | 4% | 8% | |
| Consumer | 1% | 10% | |
| Other | 2% | 13% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 58% | 62% | |
| Noninterest-bearing | 27% | 20% | |
| Time deposits | 15% | 18% |
Brokered deposits are 0.7% of deposits (peers 7.3%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.50% | 0.63% |
| Net charge-offs, annualized | 0.19% | 0.14% |
| Reserves to loans | 0.84% | 1.15% |
| Leverage ratio | 9.52% | 10.26% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in South Carolina
Largest competitors in Greenville County, SC
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/united-community-bank-greenville-sc