Dedicated to Deposits: Deals, Data, and Discussion
Featured Savings Rates
Featured Accounts
Overview / Commentary
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 134th largest bank in the nation. It was established in 1950 and as of March of 2014, it had grown to 1,451 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!

Don't Do Business With United Community Bank

I was so misrepresented bank I have ever worked with. They lured me in as a customer and did not do one thing they said they would . I would never suggest anyone doing business with this bank. I closed everone of my accounts within 6 months.



Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 United Community Bank (GA) had $30.71 million in non-current loans and owned real-estate with $887.19 million in equity and loan loss allowances on hand to cover it. This gives United Community Bank (GA) a Texas Ratio of 3.46% 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 14.63% as of March 31, 2013 to 3.46% as of March 31, 2014, resulting in a positive change of 76.35%.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 $206.16 million, resulting in 3.39% 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 $7.38 billion in assets with $887.19 million in equity, resulting in a capitalization level of 12.03%, which is excellent.

Institution Statistics

FDIC Certificate #16889
Year Established1950
Primary RegulatorFDIC
Assets and Liabilities
Assets$7.38 billion
Loans$4.31 billion
Deposits$6.29 billion
Equity Capital$811.97 million
Loan Loss Allowance$75.22 million
Unbacked Noncurrent Loans$25.11 million
Real Estate Owned$5.59 million
Historic Data - March 2013
Assets$6.84 billion
Equity Capital$663.82 million
Loan Loss Allowance$105.75 million
Unbacked Noncurrent Loans$25.11 million
Real Estate Owned$16.73 million
Profit Margin - Quarterly
Net Interest Margin3.36%
Return on Assets1.02%
Return on Equity8.99%
Interest Income$60.13 million

Sorry, we do not have rate data for United Community Bank (GA)


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