United Community Banks Balance Sheet Health
Financial Health criteria checks 6/6
United Community Banks has total assets of $27.4B and total equity of $3.3B. Total deposits are $23.3B, and total loans are $18.2B. It earns a Net Interest Margin of 3.4%. It has sufficient allowance for bad loans, which are currently at 0.6% of total loans. Cash and short-term investments are $961.9M.
Key information
8.3x
Asset to equity ratio
3.4%
Net interest margin
Total deposits | US$23.33b |
Loan to deposit ratio | Appropriate |
Bad loans | 0.6% |
Allowance for bad loans | Sufficient |
Current ratio | Low |
Cash & equivalents | US$961.93m |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: UCBN's Assets to Equity ratio (8.3x) is low.
Allowance for Bad Loans: UCBN has a sufficient allowance for bad loans (201%).
Low Risk Liabilities: 97% of UCBN's liabilities are made up of primarily low risk sources of funding.
Loan Level: UCBN has an appropriate level of Loans to Assets ratio (66%).
Low Risk Deposits: UCBN's Loans to Deposits ratio (78%) is appropriate.
Level of Bad Loans: UCBN has an appropriate level of bad loans (0.6%).