Vitals
  • Total Assets
    10.7B 11.5 %
  • Total Deposits
    8.7B 9.5 %
  • Total Net Loans
    6.9B 15.8 %
  • Net Income
    106.4M 28.2 %
  • Book Value
    1.2B 8.0 %
  • Book Value x2
    2.4B 8.0 %
  • Book Value x3
    3.6B 8.0 %
ROAA

1.061

ROAE

9.233

Efficiency Ratio

57.721

Net Interest Margin

3.554

Balance Sheet Highlights
Financial Highlights United Community Bank All Insured Commercial Banks in Georgia
Balance Sheet $(000)
Total Assets 10,694,612 256,123
Total Net Loans 6,889,092 160,108
Total Deposits 8,686,546 221,413
Total Equity 1,201,868 27,434
Profitability
Net Income 106,430 2,812
Return on Average Assets 1.061 .99
Return on Average Equity 9.233 8.811
Net Interest Margin 3.554 4.031
Efficiency Ratio 57.721 72.067
Noninterest Income/Revenue 21.386 19.316
Balance Sheet Ratios
Loan-to-Deposit 79.308 70.662
Securities/Assets .258 .165
Total Equity/Total Assets .112 .107
Tangible Equity/Tangible Assets .097 .105
Capital Adequacy
Tier 1 Common Capital 984,529 26,376
Tier 1 Capital 984,529 26,452
Tier 2 Capital 63,424 1,919
Total Capital 1,047,953 28,453
Total Risk Weighted Assets 7,744,970 174,280
Leverage Ratio 9.63 10.62
Common Equity Tier 1 Capital Ratio 12.71 16.191
Tier 1 Capital Ratio 12.71 16.286
Total Capital Ratio 13.53 17.433

Timeline for United Community Bank

Tidelands Bank

Acquisition: United Community Bank acquired a new subsidiary, Tidelands Bank, 7 years

View Profile Jul 01 2016

The Palmetto Bank

Acquisition: United Community Bank acquired a new subsidiary, The Palmetto Bank, 8 years

View Profile Sep 01 2015

First National Bank

Acquisition: United Community Bank acquired a new subsidiary, First National Bank, 8 years

View Profile Jul 18 2015

United Community Payment Systems Llc

United Community Payment Systems Llc became a new subsidiary organization for United Community Bank.

View Profile Aug 01 2014

Ucb South Carolina Properties, Inc.

Ucb South Carolina Properties, Inc. became a new subsidiary organization for United Community Bank.

View Profile Jun 14 2014

Want to see more?

Complete timeline for United Community Bank is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Tidelands Bank Seller 445,393 Acquisition Discontinued 7/1/2016
The Palmetto Bank Seller 1,165,004 Acquisition Discontinued 9/1/2015
First National Bank Seller 420,537 Pooling of Interests Discontinued 7/18/2015
Southern Community Bank Seller 371,695 Failure 6/20/2009
United Community Bank Seller 1,168,284 Pooling of Interests Discontinued 2/1/2008
First Bank Of The South Seller 817,237 Pooling of Interests Discontinued 7/16/2007
Southern National Bank Seller 345,851 Acquisition Discontinued 12/2/2006
United Community Bank Tennessee Seller 333,848 Pooling of Interests Discontinued 4/1/2006
Liberty National Bank Seller 209,206 Pooling of Interests Discontinued 2/5/2005
Eagle National Bank Seller 67,899 Acquisition Discontinued 11/1/2004
1St Community Bank Seller 189,305 Acquisition Discontinued 6/1/2004
First Georgia Bank Seller 281,348 Acquisition Discontinued 5/1/2003
United Community Bank Towns County Seller 117,592 Pooling of Interests Discontinued 12/1/2002
United Communitiy Bank Dawson County Seller 150,079 Pooling of Interests Discontinued 12/1/2002
United Community Bank White County Seller 205,152 Pooling of Interests Discontinued 12/1/2002
United Community Bank North Georgia Seller 359,804 Pooling of Interests Discontinued 12/1/2002
United Community Bank West Georgia Seller 122,467 Pooling of Interests Discontinued 12/1/2002
United Community Bank Metro Seller 223,709 Pooling of Interests Discontinued 12/1/2002
United Community Bank Rabun County Seller 141,160 Pooling of Interests Discontinued 12/1/2002
1St Floyd Bank Seller 160,709 Pooling of Interests Discontinued 4/25/2001
Bank Of Adairsville Seller 80,262 Pooling of Interests Discontinued 4/25/2001
Relationships Role Relationship Start Relationship End
United Community Banks, Inc. Parent 8/31/1988
United Community Insurance Services, Inc. Subsidary 6/30/2007
Union Holdings, Inc. Subsidary 6/30/2007
Ucb North Georgia Properties, Inc. Subsidary 6/30/2007
Ucb North Carolina Properties, Inc. Subsidary 2/1/2008
Ucb Tennessee Properties, Inc. Subsidary 6/30/2007
Ucb Coastal Properties, Inc. Subsidary 6/30/2007
Ucb Metro Properties, Inc. Subsidary 6/30/2007
Ucb Real Estate Investments Inc Subsidary 12/23/2008
Ucb Metro Real Estate Investments Inc Subsidary 12/23/2008
United Community Development Corporation Subsidary 6/30/2007
Ucbi Georgia Credits Llc Subsidary 12/22/2009
United Community Mortgage Services, Inc. Subsidary 6/30/2007
United Community Payment Systems Llc Subsidary 8/1/2014
Ucb South Carolina Properties, Inc. Subsidary 6/14/2014
Brintech, Inc. Subsidary 6/30/2007 12/30/2010
Carolina Holdings, Inc. Subsidary 2/1/2008 2/1/2008
United Community Insurance Services, Inc. Subsidary 8/1/2002 6/29/2007
Union Holdings, Inc. Subsidary 3/1/2000 6/29/2007
Brintech, Inc. Subsidary 9/29/2000 6/29/2007
Ucb North Georgia Properties, Inc. Subsidary 12/29/2006 6/29/2007
Ucb Tennessee Properties, Inc. Subsidary 12/29/2006 6/29/2007
Ucb Coastal Properties, Inc. Subsidary 12/29/2006 6/29/2007
Ucb Metro Properties, Inc. Subsidary 12/29/2006 6/29/2007
United Community Development Corporation Subsidary 7/29/2004 6/29/2007
United Community Mortgage Services, Inc. Subsidary 10/26/1989 6/29/2007
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