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59 Highway 515
Blairsville, GA 30512

United Community Bank (GA) is headquartered in Blairsville and is the 3rd largest bank in the state of Georgia. It is also the 135th largest bank in the nation. It was established in 1950 and as of December of 2013, it had grown to 1,462 employees at 101 locations. United Community Bank (GA) has a A+ health rating.

Nice Game Up Front

UCBI, not impressed with them now,   this will be the shortest time i have ever had an account of any type with a bank, I'll say it will be about two months total time,I'm just glad I have not gone through with moving my business account and credit card processing over to them for my retail and online cc accounts


when someone treats you with such disrespect as I have just been treated by UCBI credit card department, I will leave, laugh at me once and it's your mistake, laugh at me twice my mistake, which will not happen.


I called with concerns on why we had such a joke of a offer on a cc, after a discussion and her not giving me a reason the lady just laughed at me over the phone when I told her it was about a insult of an offer,  that is a great way to handle a customer who is not real happy and a damn good way to be sure they loose our business!

I can only recommend NOT doing business with UCBI


United Community Bank

This is a home town bank that knows its customers.  Is it a huge bank?  Nope?  Does it have every modern convenience known to man?  Nope  Does it serve its customers?  Yes it does.  

This bank was able to see past the GLB act and the Community Reinvestment act.  They stood their ground, when they could have participated with the others during the housing bubble and put their customers in harms way financially.   I think that anyone considering a home town bank should give United Community a try.  I think you will find them a good financial partner.  

After Hours Assistance Needed? You're SOL!

Employees are friendly, can't fault them, but this bank is stuck in the dark ages.  Good luck finding a branch open after 4.  Better luck getting any help whatsoever after 5.

While trying to make a purchase, I found that apparently a hold was put on my bank card because they got overzealous in their fraud protection.  I don't know for sure, because when I tried to call a support number I spent 20 minutes on hold, listening to advertisements of their services, which were interrupted every 10 seconds (!) by a recording urging me to stay on line because someone would be with me shortly.  What do I get after that 20 minute wait?  A few rings, then a new message telling me they were closed until tomorrow.

Closed.  Tomorrow.  I like the sound of that!  Closing my account tomorrow!

Forget Afterhours

UCB is the pits. Their on-line banking is years behind. The ABILITY to talk to someone about a debit card or ATM problem is non-existant. Even credit unions have access afterhours to speak to someone when there is a problem. Not UCB. They expect someone to tell their boss in this economy - hey I gotta contact my bank so I can't work my job. And when you do get UCB better plan on a run around, multiple transfers, and finally to be put on hold. Never known it to take less than 1/2 the day to deal with them. And it's always a problem at their end. Some reason their system wasn't functioning and caused abc.....

Problem again today. I have money in the bank. I balance almost daily. I stop at the grocery store - my debit card states insufficient funds and rejects. I go home - nope online banking agrees with me - plenty of money in the bank for the transactions Try to call UCB afterhours access to see what it states the balance is. I can't. It keeps telling me my PIN isn't my PIN. You know the same one I used yesterday.  



Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 United Community Bank (GA) had $30.9 million in non-current loans and owned real-estate with $937.84 million in equity and loan loss allowances on hand to cover it. This gives United Community Bank (GA) a Texas Ratio of 3.29% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for United Community Bank (GA) decreased dramatically from 16.94% as of December 31, 2012 to 3.29% as of December 31, 2013, resulting in a positive change of 80.55%.This indicates that the balance sheet and financial strength for United Community Bank (GA) has improved dramatically in recent periods.

Deposit Growth


In the past year, United Community Bank (GA) has increased its total deposits by $231.04 million, resulting in 3.84% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth United Community Bank (GA) has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. United Community Bank (GA) has $7.39 billion in assets with $937.84 million in equity, resulting in a capitalization level of 12.69%, which is excellent.

Institution Statistics

FDIC Certificate #16889
Year Established1950
Primary RegulatorFDIC
Assets and Liabilities
Assets$7.39 billion
Loans$4.28 billion
Deposits$6.24 billion
Equity Capital$861.08 million
Loan Loss Allowance$76.76 million
Unbacked Noncurrent Loans$26.68 million
Real Estate Owned$4.22 million
Historic Data - December 2012
Assets$6.79 billion
Equity Capital$648.45 million
Loan Loss Allowance$107.14 million
Unbacked Noncurrent Loans$26.68 million
Real Estate Owned$18.26 million
Profit Margin - Quarterly
Net Interest Margin3.51%
Return on Assets3.66%
Return on Equity32.78%
Interest Income$245.83 million

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United Community Bank (GA) has 100 locations. Click to view all United Community Bank (GA) locations.