Case Study: United Community Bank achieves rapid SBA growth and streamlined loan operations with nCino

United Community bank - Customer Case Study

United Community Bank, a Blairsville, GA–based regional bank with $7.5 billion in assets, built its reputation on service and strong customer satisfaction while expanding into specialty lending, including SBA loans in 2014. To scale SBA originations without sacrificing quality, the bank needed to overcome regulatory scrutiny, high manual transaction costs, rising competition from fintechs, and overall risk—so it sought a single system to streamline the end-to-end lending lifecycle.

UCB implemented the cloud-based nCino Bank Operating System, gaining CRM, automated workflow, document management and reporting in one platform. The change helped move UCB into the top 35 U.S. SBA lenders (ranked #34 in Q1 2015) and delivered measurable gains: $67.6M net income, improved operating efficiency (57.5%), 8% loan growth, $1.5B in loan production with $343M net growth, and 7% core deposit growth—while speeding closings, improving oversight for regulators, and reducing risk.

United Community bank

Annemarie Murphy

SBA Chief Operations Officer, United Community Bank