Market Lens — bank market footprint analysis from FDIC Summary of Deposits (June 2025), Census PEP, BEA and BLS QCEW.
A $24.4bn book; 67.6% of deposits sit in high-growth markets; the largest market is 22.3% of the book; 9 high-growth markets are losing share.
Generated 22 Aug 2026, 03:35 UTC · drafted over all 62 markets · 12 citations, every one resolved against the computed rows
62 markets
45 of 62
Deposits are this bank’s pro forma SOD book in each market, not market size. Atlanta-Sandy Springs-Roswell’s 2.3% is share of that metro; 22.3% is share of United Community Bank’s own book.
Every market the bank books deposits in, shaded by the column the table is sorted by. Drag to pan, scroll or use the controls to zoom; the arrow keys move between markets.
Footprint map
Each shaded region is a market, not a state — CBSAs cross state lines, and rural markets are single counties drawn on top of the metro layer.
Shading: Bank deposits (current) (US dollars) · sequential ramp · 62 markets in view
Sequential ramp on slate with alpha, five quantile bins — this measure carries no direction.
United Community Bank (cert 16889) · 62 markets · unfiltered · as of 22 Aug 2026, 03:35 UTC
Loading county geometry…
Click a market to open it. Scroll or pinch to zoom, drag to pan, double-click to zoom in, and the buttons in the corner do the same from the keyboard — Fit returns to the whole footprint. The map itself is one tab stop: Tab moves into it, the arrow keys move between neighbouring markets, Home and End jump to the first and last, Enter or Space selects, and Escape clears the selection.
Atlanta-Sandy Springs-Roswell, GA is a growth market where the franchise is already established (Established - Mature).
Deposit share compounds where population and income are growing: the same branch network gathers a larger book each year without new capital expenditure.
Greenville-Anderson-Greer, SC is a growth market where the franchise is already established (Expanding).
Deposit share compounds where population and income are growing: the same branch network gathers a larger book each year without new capital expenditure.
Miami-Fort Lauderdale-West Palm Beach, FL is a growth market where the franchise is already established (New Entrant).
Deposit share compounds where population and income are growing: the same branch network gathers a larger book each year without new capital expenditure.
Rome, GA scores below the national distribution on the growth composite.
A shrinking or flat market makes share gains a zero-sum fight for the same deposits, which shows up as price competition before it shows up in volume.
Mitchell County, North Carolina scores below the national distribution on the growth composite.
A shrinking or flat market makes share gains a zero-sum fight for the same deposits, which shows up as price competition before it shows up in volume.
Summerville, GA scores below the national distribution on the growth composite.
A shrinking or flat market makes share gains a zero-sum fight for the same deposits, which shows up as price competition before it shows up in volume.
3 strengths · 3 watch items · 12 cited figures. Hover a figure to raise its row on the map and in the ranking table; select it to open that market in full.
Where would the next branch buy the most incremental share, given where the franchise is already entrenched?
0 claims dropped — every claim on screen resolved against the computed rows. The 12 figures above are the ones that survived that check.
Machine-generated from the computed figures shown above. Every number is calculated in Python and cited; the model interprets and never calculates. It is interpretation, not a statement about the institution’s condition or management.
Sorted client-side from the complete row set. Sort, filter, density and the selected market all live in the URL, so a shared link reopens exactly this view.
62 markets shown · sorted by Bank deposits (current) high to low · 40 columns hidden
CSV carries the sort, the visible columns and the filtered row set exactly as shown, plus a provenance header. XLSX and PowerPoint are the logged N6 waiver (P1-05).
| Row actionDetail | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Atlanta-Sandy Springs-Roswell, GA | 12060 | GA | Major Metro | Medium | Established - Mature | $170.0m | 9.6% | $5.4bn | 2.3% | +26 bps | +0.19 | ||
| Greenville-Anderson-Greer, SC | 24860 | SC | Major Metro | High | Expanding | $147.0m | 12.0% | $2.1bn | 7.9% | +272 bps | +0.71 | ||
| Miami-Fort Lauderdale-West Palm Beach, FL | 33100 | FL | Major Metro | High | New Entrant | $205.4m | 46.1% | $1.4bn | 0.4% | +43 bps | +0.47 | ||
| Nashville-Davidson--Murfreesboro--Franklin, TN | 34980 | TN | Major Metro | High | New Entrant | $87.5m | -8.4% | $1.1bn | 1.3% | +127 bps | +1.32 | ||
| Raleigh-Cary, NC | 39580 | NC | Major Metro | High | Established - Mature | $106.1m | 10.3% | $954.9m | 0.9% | -83 bps | +1.52 | ||
| Fannin County, Georgia | 13111 | GA | Rural | High | Entrenched Leader | $288.5m | 13.7% | $865.5m | 61.4% | -27 bps | +0.95 | ||
| Gainesville, GA | 23580 | GA | Small Metro | High | Entrenched Leader | $138.0m | 10.1% | $828.0m | 14.8% | +506 bps | +1.27 | ||
| Union County, Georgia | 13291 | GA | Rural | High | Entrenched Leader | $388.1m | -1.4% | $776.2m | 60.0% | -2,238 bps | +1.24 | ||
| Knoxville, TN | 28940 | TN | Secondary Metro | High | Established - Mature | $96.4m | 4.5% | $674.7m | 2.7% | -1 bps | +1.16 | ||
| Orlando-Kissimmee-Sanford, FL | 36740 | FL | Major Metro | High | New Entrant | $102.7m | -12.6% | $513.6m | 0.8% | +80 bps | +0.98 | ||
| Myrtle Beach-Conway-North Myrtle Beach, SC | 34820 | SC | Secondary Metro | High | Pulling Back | $85.0m | 22.6% | $509.9m | 4.3% | -30 bps | +2.22 | ||
| Rome, GA | 40660 | GA | Small Metro | Medium | Entrenched Leader | $250.0m | 9.6% | $499.9m | 21.7% | +500 bps | -0.09 | ||
| Charlotte-Concord-Gastonia, NC-SC | 16740 | NC | Major Metro | High | New Entrant | $69.8m | -9.6% | $418.9m | 0.1% | +9 bps | +1.09 | ||
| Savannah, GA | 42340 | GA | Secondary Metro | High | Expanding | $132.1m | 15.4% | $396.2m | 5.0% | +221 bps | +0.84 | ||
| Towns County, Georgia | 13281 | GA | Rural | High | Entrenched Leader | $394.5m | 12.3% | $394.5m | 73.9% | +898 bps | +0.97 | ||
| White County, Georgia | 13311 | GA | Rural | High | Entrenched Leader | $192.9m | 8.5% | $385.8m | 46.3% | +656 bps | +0.50 | ||
| Cornelia, GA | 18460 | GA | Micropolitan | High | Entrenched Leader | $191.8m | 8.9% | $383.6m | 29.2% | +296 bps | +0.57 | ||
| Spartanburg, SC | 43900 | SC | Secondary Metro | High | Expanding | $88.8m | 10.3% | $355.2m | 5.8% | +162 bps | +1.05 | ||
| Gilmer County, Georgia | 13123 | GA | Rural | High | Entrenched Leader | $350.7m | 9.6% | $350.7m | 39.9% | +423 bps | +1.21 | ||
| Cherokee County, North Carolina | 37039 | NC | Rural | High | Entrenched Leader | $167.5m | 8.8% | $335.1m | 45.8% | +550 bps | +0.55 | ||
| Huntsville, AL | 26620 | AL | Secondary Metro | High | New Entrant | $105.0m | -11.4% | $315.0m | 2.9% | +291 bps | +1.50 | ||
| Jackson County, North Carolina | 37099 | NC | Rural | High | Entrenched Leader | $103.6m | 9.8% | $310.9m | 41.0% | +1,009 bps | +0.50 | ||
| Charleston-North Charleston, SC | 16700 | SC | Secondary Metro | High | Expanding | $76.4m | 10.8% | $305.4m | 1.5% | +48 bps | +1.28 | ||
| Brunswick-St. Simons, GA | 15260 | GA | Small Metro | High | Entrenched Leader | $98.9m | 6.1% | $296.8m | 10.1% | -12 bps | +0.78 | ||
| Mitchell County, North Carolina | 37121 | NC | Rural | Medium | Entrenched Leader | $120.4m | 15.2% | $240.9m | 100.0% | +3,261 bps | -0.08 | ||
| Clarksville, TN-KY | 17300 | TN | Secondary Metro | High | New Entrant | $80.1m | -12.4% | $240.3m | 5.9% | +594 bps | +0.64 | ||
| Rabun County, Georgia | 13241 | GA | Rural | High | Entrenched Leader | $236.4m | 14.5% | $236.4m | 33.3% | +809 bps | +0.54 | ||
| Crestview-Fort Walton Beach-Destin, FL | 18880 | FL | Secondary Metro | High | New Entrant | $78.4m | 6.8% | $235.2m | 2.9% | +294 bps | +1.11 | ||
| Summerville, GA | 44900 | GA | Micropolitan | Low | Entrenched Leader | $116.7m | 8.0% | $233.4m | 55.9% | +658 bps | -0.49 | ||
| Decatur, AL | 19460 | AL | Small Metro | Medium | New Entrant | $209.2m | -2.9% | $209.2m | 7.3% | +733 bps | +0.22 | ||
| Athens-Clarke County, GA | 12020 | GA | Small Metro | Medium | Expanding | $103.1m | 12.7% | $206.2m | 3.6% | +60 bps | +0.33 | ||
| Jacksonville, FL | 27260 | FL | Major Metro | High | New Entrant | $191.3m | 24.0% | $191.3m | 2.5% | +251 bps | +1.33 | ||
| Jefferson, GA | 27600 | GA | Micropolitan | High | Entrenched Leader | $189.0m | 14.9% | $189.0m | 10.7% | -50 bps | +4.11 | ||
| Birmingham, AL | 13820 | AL | Major Metro | Medium | New Entrant | $63.0m | 5.1% | $188.9m | 0.4% | +39 bps | +0.07 | ||
| Greenwood, SC | 24940 | SC | Micropolitan | Medium | Entrenched Leader | $90.6m | 7.0% | $181.2m | 12.1% | -39 bps | +0.14 | ||
| Asheville, NC | 11700 | NC | Secondary Metro | High | Expanding | $89.7m | 9.1% | $179.4m | 6.7% | +135 bps | +0.47 | ||
| Brevard, NC | 14820 | NC | Micropolitan | High | Entrenched Leader | $87.1m | 8.1% | $174.2m | 19.4% | +47 bps | +0.61 | ||
| Swain County, North Carolina | 37173 | NC | Rural | Medium | Entrenched Leader | $135.7m | 7.1% | $135.7m | 24.1% | +157 bps | +0.24 | ||
| Waynesville, NC | 48200 | NC | Micropolitan | High | Entrenched Leader | $129.9m | 7.1% | $129.9m | 14.2% | +256 bps | +0.33 | ||
| Graham County, North Carolina | 37075 | NC | Rural | Medium | Entrenched Leader | $127.7m | 7.0% | $127.7m | 68.1% | -389 bps | -0.26 | ||
| Clay County, North Carolina | 37043 | NC | Rural | High | Entrenched Leader | $122.7m | 7.1% | $122.7m | 50.5% | +588 bps | +1.04 | ||
| Florence-Muscle Shoals, AL | 22520 | AL | Small Metro | Medium | New Entrant | $116.9m | -9.2% | $116.9m | 4.4% | +436 bps | +0.22 | ||
| Yancey County, North Carolina | 37199 | NC | Rural | Medium | Entrenched Leader | $113.5m | 11.5% | $113.5m | 24.3% | +135 bps | +0.14 | ||
| Macon County, North Carolina | 37113 | NC | Rural | High | Entrenched Leader | $111.2m | 9.0% | $111.2m | 9.1% | +562 bps | +0.66 | ||
| Avery County, North Carolina | 37011 | NC | Rural | High | Entrenched Leader | $99.4m | 12.6% | $99.4m | 22.8% | +871 bps | +0.49 | ||
| Duplin County, North Carolina | 37061 | NC | Rural | High | Entrenched Leader | $96.7m | 8.3% | $96.7m | 12.1% | +406 bps | +0.49 | ||
| Gaffney, SC | 23500 | SC | Micropolitan | Low | Entrenched Leader | $81.9m | 5.6% | $81.9m | 14.8% | +460 bps | -0.40 | ||
| Wilmington, NC | 48900 | NC | Secondary Metro | High | New Entrant | $65.6m | 5.9% | $65.6m | 0.3% | +29 bps | +2.31 | ||
| Cleveland, TN | 17420 | TN | Small Metro | High | Established - Mature | $62.6m | -2.1% | $62.6m | 2.4% | -101 bps | +0.54 | ||
| Columbia, SC | 17900 | SC | Secondary Metro | High | New Entrant | $26.7m | 37.5% | $53.5m | 0.2% | +21 bps | +0.52 | ||
| Chattanooga, TN-GA | 16860 | TN | Secondary Metro | High | New Entrant | $52.1m | 0.2% | $52.1m | 0.4% | +43 bps | +0.43 | ||
| Boone, NC | 14380 | NC | Micropolitan | Medium | Expanding | $49.5m | 11.9% | $49.5m | 3.3% | +95 bps | +0.23 | ||
| Daphne-Fairhope-Foley, AL | 19300 | AL | Secondary Metro | High | New Entrant | $48.1m | 82.9% | $48.1m | 0.7% | +72 bps | +1.87 | ||
| Waycross, GA | 48180 | GA | Micropolitan | Low | Expanding | $47.5m | 7.5% | $47.5m | 4.8% | +91 bps | -0.33 | ||
| Hilton Head Island-Bluffton-Port Royal, SC | 25940 | SC | Small Metro | High | Established - Mature | $41.6m | -1.2% | $41.6m | 0.6% | -9 bps | +1.39 | ||
| Palm Bay-Melbourne-Titusville, FL | 37340 | FL | Secondary Metro | High | New Entrant | $40.2m | 76.5% | $40.2m | 0.4% | +35 bps | +1.49 | ||
| Port St. Lucie, FL | 38940 | FL | Secondary Metro | High | New Entrant | $38.6m | 14.1% | $38.6m | 0.5% | +52 bps | +1.99 | ||
| Tuscaloosa, AL | 46220 | AL | Secondary Metro | Low | New Entrant | $37.1m | 36.8% | $37.1m | 0.8% | +82 bps | -0.37 | ||
| North Port-Bradenton-Sarasota, FL | 35840 | FL | Secondary Metro | High | New Entrant | $35.6m | -16.8% | $35.6m | 0.2% | +19 bps | +1.72 | ||
| Tampa-St. Petersburg-Clearwater, FL | 45300 | FL | Major Metro | High | New Entrant | $22.2m | -28.4% | $22.2m | 0.0% | +5 bps | +1.06 | ||
| Panama City-Panama City Beach, FL | 37460 | FL | Small Metro | High | New Entrant | $7.6m | 29.7% | $7.6m | 0.2% | +17 bps | +1.51 | ||
| Winston-Salem, NC | 49180 | NC | Secondary Metro | Medium | New Entrant | $0k | —— | $0k | 0.0% | +0 bps | +0.23 | ||
| Totals over 62 markets shown | $24.4bn | 103 counties · 192 offices |
Select a market — on the map, in the ranking table above, or through a figure cited in the brief — to see it in full here.
Every threshold, gate and vintage, generated with this bank’s own figures.
United Community Bank (cert 16889) · 62 markets · unfiltered