Research terminalQ2 2026 · 4,313 institutions · refreshed 8/27/2026 · catalog mismatch

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Q2 2026 · 4,313 institutions · refreshed 8/27/2026

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OptimaYield board tearsheet · reported facts

UNITED COMMUNITY BANK

FDIC #16889 · SC · period 20260630

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Total assets9,747,998-8.99% YoY

Total deposits8,033,607-9.12% YoY

Net loans and leases6,066,457-12.35% YoY

Return on assets1.04%+10.67% YoY

Return on equity9.11%+7.56% YoY

Net interest margin3.54%-0.28% YoY

Peer position

Return on assets65thin line · n=112

Return on equity59thin line · n=108

Net interest margin53rdin line · n=112

Equity to assets56thin line · n=108

Noncurrent loans68thin line · n=106

Liquid assets56thin line · n=108

Brokered deposits64thin line · n=107

Loans to deposits64thin line · n=107

Ten-year reported history

Period	Assets	Deposits	Loans	ROA	ROE	NIM
2016-03-31	9,747,998	8,033,607	6,066,457	1.04	9.11	3.54
2016-06-30	9,895,880	7,921,425	6,252,426	1.09	9.49	3.52
2016-09-30	10,278,851	8,492,662	6,692,963	1.05	9.12	3.54
2016-12-31	10,694,612	8,686,546	6,889,092	1.06	9.23	3.53
2017-03-31	10,710,618	8,840,091	6,920,938	0.94	8.47	3.55
2017-06-30	10,817,173	8,820,998	7,007,142	1.04	9.28	3.56
2017-09-30	11,106,237	9,211,578	7,174,625	1.05	9.33	3.60
2017-12-31	11,903,875	9,846,516	7,709,392	0.72	6.34	3.63
2018-03-31	12,241,191	10,022,504	8,149,657	1.43	11.76	3.86
2018-06-30	12,370,114	10,047,068	8,194,013	1.40	11.49	3.93
2018-09-30	12,378,326	10,287,792	8,192,851	1.44	11.69	3.99
2018-12-31	12,548,727	10,683,286	8,341,133	1.46	11.91	4.03
2019-03-31	12,479,826	10,657,043	8,457,953	1.37	10.98	4.13
2019-06-30	12,758,328	10,665,927	8,822,299	1.44	11.29	4.16
2019-09-30	12,785,175	10,806,315	8,895,377	1.47	11.26	4.19
2019-12-31	12,887,120	10,930,164	8,808,948	1.50	11.33	4.16
2020-03-31	13,058,533	11,176,409	8,943,478	1.14	8.43	4.14
2020-06-30	14,976,428	13,025,861	10,128,318	0.94	7.30	3.77
2020-09-30	17,126,721	14,912,599	11,793,241	1.06	8.48	3.69
2020-12-31	17,766,296	15,521,966	11,339,238	1.17	9.56	3.71
2021-03-31	18,513,139	16,320,570	11,716,657	1.67	15.13	3.23
2021-06-30	18,867,020	16,592,708	11,377,324	1.61	14.61	3.25
2021-09-30	19,438,500	17,091,997	11,159,841	1.61	14.66	3.24
2021-12-31	20,897,645	18,549,091	11,701,923	1.46	13.45	3.16
2022-03-31	24,314,004	21,348,767	14,258,591	0.91	8.46	3.21
2022-06-30	24,154,420	21,172,043	14,444,983	1.09	10.01	3.31
2022-09-30	23,635,573	20,628,613	14,755,949	1.21	11.08	3.48
2022-12-31	23,954,627	20,220,128	15,188,870	1.25	11.42	3.60
2023-03-31	25,814,879	22,379,255	16,968,560	1.02	8.97	3.69
2023-06-30	26,062,994	22,651,605	17,231,244	1.01	8.86	3.58
2023-09-30	26,799,034	23,281,345	18,038,360	0.91	8.01	3.43
2023-12-31	27,241,407	23,740,291	18,143,692	0.74	6.50	3.41
2024-03-31	27,299,239	23,734,126	18,202,050	0.98	8.37	3.28
2024-06-30	26,998,583	23,414,583	18,047,486	1.03	8.74	3.37
2024-09-30	27,304,404	23,705,912	17,808,609	0.92	7.76	3.39
2024-12-31	27,656,514	23,851,926	18,026,516	0.96	8.10	3.40
2025-03-31	27,826,806	24,241,174	18,250,735	1.08	9.10	3.41
2025-06-30	28,042,982	24,386,841	18,741,518	1.11	9.33	3.47
2025-09-30	28,087,547	24,413,249	18,993,805	1.17	9.80	3.54
2025-12-31	27,929,114	24,136,285	19,213,269	1.19	9.91	3.60
2026-03-31	28,114,413	24,415,141	19,434,602	1.17	9.67	3.67
2026-06-30	28,987,812	24,073,192	19,818,129	1.40	11.65	3.68

Structure and branch footprint

192 current branch locations across 6 states as of 2026-08-22. This is an annual branch-location count, not deposit market share.

Date	Code	Predecessor RSSD	Successor RSSD
2026-08-01	1	3348468	1017939
2025-12-01	1	3229727	1017939
2025-05-01	1	481430	1017939
2023-07-01	1	794336	1017939
2023-01-03	1	3690596	1017939
2022-01-01	1	3415463	1017939
2021-10-01	1	3446636	1017939
2020-07-01	1	3487518	1017939
2019-05-01	1	3282021	1017939
2017-11-01	1	292524	1017939
2017-08-01	1	1162530	1017939
2016-07-01	1	3185485	1017939
2015-09-01	1	862824	1017939
2015-07-18	1	198831	1017939
2009-06-20	50	2916365	1017939
2008-02-01	1	749121	1017939
2007-07-16	1	2860066	1017939
2006-12-02	1	2698492	1017939
2006-04-01	1	1864375	1017939
2005-02-05	1	2596619	1017939

Reviewed intelligence

No reviewed or published intelligence is linked to this institution.

Scope and limitations

Financial facts are scoped to the FDIC-insured bank. NIC transformations use the linked RSSD identity; SEC issuer and bank-holding-company facts are not silently combined. Branch data follows its annual source cadence. Intelligence appears only after review or publication.