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BDI
UC

United Community Bank

Greenville, South CarolinaFDIC Cert #16889

STATEEstablished 1950192 branches

Holding company: UNITED COMMUNITY BANKS INCRegulator: FED

FDICCERT + OFFDOM

Delinquency, loss & reserves

Credit

Early-stage delinquency, nonaccruals, realized loss, and allowance coverage from reported filings.

As of Q1 2026

Problem credits

Reported delinquent and nonperforming exposures, shown as balances and ratios.

30–89 %
0.14%
−34.5%y/y
Peer standing85th percentile
Peer standing in FFIEC UBPR Peer Group 2 — Insured commercial banks having assets between $10 billion and $100 billion
FDICP3ASSET + LNLSGR
90+ %
0.00%
Peer standing100th percentile
Peer standing in FFIEC UBPR Peer Group 2 — Insured commercial banks having assets between $10 billion and $100 billion
FDICP9ASSET + LNLSGR
Nonaccrual %
0.49%
−0.5%y/y
Peer standing60th percentile
Peer standing in FFIEC UBPR Peer Group 2 — Insured commercial banks having assets between $10 billion and $100 billion
FDICNAASSET + LNLSGR
Noncurrent %
0.49%
−0.5%y/y
Peer standing66th percentile
Peer standing in FFIEC UBPR Peer Group 2 — Insured commercial banks having assets between $10 billion and $100 billion
FDICP9ASSET + NAASSET + LNLSGR
NPA/assets
0.36%
+3.4%y/y
Peer standing65th percentile
Peer standing in FFIEC UBPR Peer Group 2 — Insured commercial banks having assets between $10 billion and $100 billion
FDICP9ASSET + NAASSET + ORE + ASSET
NPA
$100M
+4.4%y/y
Peer standing58th percentile
Peer standing in FFIEC UBPR Peer Group 2 — Insured commercial banks having assets between $10 billion and $100 billion
FDICP9ASSET + NAASSET + ORE

Loss & allowance

Recognized charge-offs and the allowance held against the loan portfolio.

NCO rate
0.22%
+3.1%y/y
Peer standing37th percentile
Peer standing in FFIEC UBPR Peer Group 2 — Insured commercial banks having assets between $10 billion and $100 billion
FDICNTLNLS + LNLSGR
NCO
$10.4M
+8.0%y/y
Peer standing35th percentile
Peer standing in FFIEC UBPR Peer Group 2 — Insured commercial banks having assets between $10 billion and $100 billion
FDICNTLNLS + DRLNLS + CRLNLS
ACL/loans
1.06%
−7.6%y/y
Percentile by value35th percentileby value
Peer standing in FFIEC UBPR Peer Group 2 — Insured commercial banks having assets between $10 billion and $100 billion
FDICLNATRES + LNLSGR
30–89
$27M
−30.4%y/y
Peer standing77th percentile
Peer standing in FFIEC UBPR Peer Group 2 — Insured commercial banks having assets between $10 billion and $100 billion
FDICP3ASSET
90+
$0
Peer standing100th percentile
Peer standing in FFIEC UBPR Peer Group 2 — Insured commercial banks having assets between $10 billion and $100 billion
FDICP9ASSET
Nonaccrual
$96.7M
+5.9%y/y
Peer standing47th percentile
Peer standing in FFIEC UBPR Peer Group 2 — Insured commercial banks having assets between $10 billion and $100 billion
FDICNAASSET