United Community Bank (FDIC #16889): Bank Stress & Real-Estate Credit Exposure
United Community Bank (FDIC Cert #16889): bank stress 56/100, moderate, STABLE over 7 days; parent UNITED COMMUNITY BANKS INC (UCB).
United Community Bank (#16889) lends in 103 counties across 6 states; United Community Bank (#16889) reaches 1,577 ZIP codes: Georgia 34 counties, 303 ZIPs; North Carolina 20 counties, 239 ZIPs; Tennessee 15 counties, 194 ZIPs; Florida 14 counties, 453 ZIPs; South Carolina 13 counties, 208 ZIPs; Alabama 7 counties, 180 ZIPs.
United Community Bank (#16889) largest markets: Miami Dade County, FL (243 branches, 81 ZIPs) (#16889), Jefferson County, AL (128 branches, 64 ZIPs) (#16889), Hillsborough County, FL (58 branches, 58 ZIPs) (#16889), Broward County, FL (110 branches, 55 ZIPs) (#16889), Palm Beach County, FL (106 branches, 53 ZIPs) (#16889), Orange County, FL (147 branches, 49 ZIPs) (#16889).
United Community Bank (#16889) reports $28.99 billion in total assets; United Community Bank (#16889) equity $3.42 billion (11.8% of United Community Bank (#16889) assets); United Community Bank (#16889) domestic deposits $24.07 billion; United Community Bank (#16889) net income $198.1 million; United Community Bank (#16889) return on assets 1.40%; United Community Bank (#16889) return on equity 11.65%; United Community Bank (#16889) net interest income $473.8 million; United Community Bank (#16889) call report June 30, 2026.
United Community Bank (#16889) noncurrent real-estate loans: none reported; United Community Bank (#16889) commercial real estate -0.08%; United Community Bank (#16889) residential -0.07%; United Community Bank (#16889) net charge-offs on real estate 0.47%; United Community Bank (#16889) residential charge-offs 0.38%.
United Community Bank (#16889) net interest margin 3.68% against an eight-quarter United Community Bank (#16889) average of 3.52% (United Community Bank (#16889) compression -0.16 points); United Community Bank (#16889) non-residential real estate 38.1% of equity; United Community Bank (#16889) rate-exposure score 40/100, United Community Bank (#16889) fixed-rate trap 40/100; United Community Bank (#16889) risk type market signal; United Community Bank (#16889) rate regime rates elevated; United Community Bank (#16889) shares 7.4% below the 52-week high, United Community Bank (#16889) equity trend weakening, United Community Bank (#16889) snapshot October 19, 2026.
United Community Bank (#16889) stress score moved from 58.4 on June 22, 2026 to 56.2 on October 19, 2026; United Community Bank (#16889) ranged 56.2 to 58.4 over 116 snapshots.
United Community Bank (#16889) alerts: 39 counties; top United Community Bank (#16889) alert scores: Lexington County, SC 39 (moderate); Laurens County, SC 38 (moderate); Florence County, SC 37 (moderate); Spartanburg County, SC 37 (moderate); Jasper County, SC 33 (low).