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 $3.4B. Total deposits are $23.3B, and total loans are $17.8B. 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 $782.2M.
Key information
8x
Asset to equity ratio
3.4%
Net interest margin
| Total deposits | US$23.25b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.6% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$782.17m |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: UCB.PRI's Assets to Equity ratio (8x) is low.
Allowance for Bad Loans: UCB.PRI has a sufficient allowance for bad loans (183%).
Low Risk Liabilities: 97% of UCB.PRI's liabilities are made up of primarily low risk sources of funding.
Loan Level: UCB.PRI has an appropriate level of Loans to Assets ratio (65%).
Low Risk Deposits: UCB.PRI's Loans to Deposits ratio (76%) is appropriate.
Level of Bad Loans: UCB.PRI has an appropriate level of bad loans (0.6%).