A bank's profitability has an effect on its safety and soundness. A bank can retain its earnings, boosting its capital buffer, or put them to work addressing problematic loans, potentially making the bank more resilient in times of trouble. However, banks that are losing money are less able to do those things.
On Bankrate's test of earnings, United Community Bank scored 18 out of a possible 30, above the national average of 16.52.
One important way to measure a bank's earnings is return on equity, or net income (profit, basically) divided by the total amount of equity. United Community Bank's most recent annualized quarterly return on equity was 9.28 percent, identical to the national average.
The bank earned net income of $55.7 million on total equity of $1.22 billion for the twelve months ended June 30, 2017. The bank experienced an annualized return on average assets, or ROA, of 1.04 percent, above the 1 percent deemed satisfactory in accordance with industry standards, but below the average for U.S. banks of 1.14 percent.