United Community Bank


306 E North St
Greenville, SC 29601
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.02% 0.85% →
1-Year CD 0.25% 0.67% →
2-Year CD 0.30% 0.80% →
5-Year CD 0.30% 1.25% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

United Community Bank is an FDIC insured institution located in Greenville, SC. It was founded in 1950 and has approximately $18.87 billion in assets. Customers can open an account at one of its 161 branches.

FDIC Insured Yes
FDIC Certificate # 16889
Date Established 1950
Assets $ 18.87 billion
Loans $ 11.38 billion
Deposits $ 16.59 billion
Capital $ 2.06 billion

For a more detailed analysis of United Community Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - November 29, 2021

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
0.02% $2,500 $4,999 Learn More
Money Market
0.10% $2,500 $2,999 Learn More
Money Market
0.10% $10,000 $14,999 Learn More
Money Market
0.10% $25,000 $29,999 Learn More
6 Mo CD
0.25% $10,000 $14,999 Learn More
6 Mo CD
0.25% $100,000 $199,999 Learn More
12 Mo CD
0.25% $10,000 $14,999 Learn More
12 Mo CD
0.25% $100,000 $199,999 Learn More
18 Mo CD
0.25% $10,000 $14,999 Learn More
18 Mo CD
0.25% $100,000 $199,999 Learn More
24 Mo CD
0.30% $10,000 $14,999 Learn More
24 Mo CD
0.30% $100,000 $199,999 Learn More
30 Mo CD
0.30% $10,000 $14,999 Learn More
30 Mo CD
0.30% $100,000 $199,999 Learn More
36 Mo CD
0.30% $10,000 $14,999 Learn More
36 Mo CD
0.30% $100,000 $199,999 Learn More
48 Mo CD
0.30% $10,000 $14,999 Learn More
48 Mo CD
0.30% $100,000 $199,999 Learn More
60 Mo CD
0.30% $10,000 $14,999 Learn More
60 Mo CD
0.30% $100,000 $199,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.05% $2,500 $3,499 Learn MoreShow Less

Loan Rates - November 29, 2021

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for United Community Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Learn More
NMLS ID: 1907
3.116% 2.990%
0.63 points
$4,062 fees
$1,053 Learn More
First Internet Bank
NMLS ID: 424182
2.908% 2.875%
0.38 points
$1,068 fees
$1,038 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
Flagstar Bank-Heloc
Flagstar Bank-Heloc
See Table
4.990 %
$0 Learn More
More Info

Note to United Community Bank
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Climate Initiatives

United Community Bank is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.

Financial Details

United Community Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of United Community Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
United Community Bank U.S. Bank Average
2.13% 4.78%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2021, United Community Bank had $46,121,000 in non-current loans and $224,000 in owned real estate. To cover these potential losses it had $2,059,219,000 in equity and $111,616,000 in loans loss reserves. That gives it a Texas Ratio of 2.13%.

Return on Equity
United Community Bank U.S. Bank Average
14.61% 11.29%

United Community Bank has a Return on Equity of 14.61% versus the BestCashCow average of 11.29%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

United Community Bank U.S. Bank Average
10.91% 11.72%

United Community Bank has a Capitalization of 10.91% versus the BestCashCow average of 11.72. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

United Community Bank Balance Sheet Analysis

As of June 30, 2021, United Community Bank had assets of $18,867,020,000, loans of $11,377,324,000, and deposits of $16,592,708,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

June 30, 2021
Cash & Balances due from depository institutions $ 1,421.70 million
Interest-bearing balances $ 1,207.52 million
Total securities $ 4.92 billion
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 11.38 billion
Loan loss allowance $ 111.62 million
Trading account assets $ 45.81 million
Bank premises and fixed assets N.A.
Other real estate owned $ 0.22 million
Goodwill and other intangibles $ 407.59 million
All other assets $ 442.69 million
     Total Assets $ 16.81 billion
Total deposits $ 16.59 billion
      Interest-bearing deposits $ 10.33 billion
      Deposits held in domestic offices $ 16.59 billion
      % insured (estimated) 59.59%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities $ 22.85 million
Other borrowed funds N.A.
Subordinated debt $ 15.00 million
All other liabilities $ 177.24 million
      Total Liabilities $ 16.81 billion
      Shareholders’ Equity $ 2.06 billion

Summary Income Statement

June 30, 2021
Total Interest Income $ 285.79 million
Total Interest Expense $ 9.51 million
Net interest income $ 276.28 million
Provision for loan and lease losses N.A.
Total non interest income $ 79.58 million
Total non interest expense $ 187.37 million
Pre-tax Net Operating Income $ 194.35 million

Bank Loan Profile?

The top three loan types in United Community Bank’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and 1-4 Family Residential Loans.

Compared to other banks in South Carolina, United Community Bank has a significantly higher percent of Commercial and Industrial Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 21.67
Credit Card Loans 0.00
Consumer Auto Loans 0.35
Small Business Loans 9.01
Construction and Development Loans 10.68
Commercial Real Estate 37.07
Commercial and Industrial Loans 27.57
Farm Loans 0.05

Customer Reviews for United Community Bank

  • November 5, 2018 |

    CDs 12 Month Rates


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