About

For over half a century, United Community has stood as a pillar of commercial growth and financial endurance across Floyd County. From its historic roots to its modern digital network, the bank maintains a steadfast commitment to serving local families and businesses.

The Founding Roots: Union County Bank (1950)

The seeds of today's institution were planted in 1950, when the bank was originally founded as Union County Bank in the mountain town of Blairsville, Georgia. Built on a philosophy of neighborly service, the true community bank focused on helping local families and small businesses thrive. Decades later, that same customer-first mindset and dedication to community banking would drive the bank's regional expansion into Floyd County.

The Local Foundation: Home Federal Savings & Loan (1974)

The physical journey in Rome began at 307 East Second Avenue, where a dedicated banking facility was constructed in 1974 by the Home Federal Savings and Loan Association of Rome (established in 1922). As a community "thrift" institution, Home Federal’s primary mission was helping local families secure residential mortgages. In the early 1990s, following national deregulation, it transitioned into a full-service institution known as Home Federal Savings Bank.

The Seamless Transition: First Union & First Floyd Bank (1990s)

In the mid-1990s, the institution was acquired by State Mutual Insurance Company, which grew the bank's profile before orchestrating a transition to First Union National Bank. When First Union later restructured its footprint to build a new facility on Turner McCall Boulevard, the East Second Avenue property was acquired by 1st Floyd Bank. This coordinated corporate handoff ensured the building never sat vacant, providing uninterrupted service to downtown depositors.

The Modern Era: United Community Bank (1999–Present)

In 1999, the fast-growing United Community Bank officially entered the Rome market by purchasing 1st Floyd Bank for $7.1 million. By 2001, the 307 East Second Avenue branch was fully integrated under the United Community banner, cementing its long-term presence in Floyd County.

Today, United Community (NYSE: UCB) stands as a top-100 U.S. financial institution committed to building stronger communities and improving the financial health and well-being of its customers. As of June 30, 2026, the financial holding company commands $29.1 billion in assets and operates 200 offices spanning six Southeastern states: Georgia, Alabama, Florida, North Carolina, South Carolina, and Tennessee. United Community pairs the robust financial muscle and broad scale of a major regional powerhouse—including a nationally recognized SBA lending franchise and equipment finance subsidiary—with the deeply rooted service of a local neighborhood branch.

A Highly Decorated Leader in Satisfaction

Prospective customers can bank with absolute confidence, knowing they are partnering with one of the most celebrated financial institutions in the nation:

• Customer Satisfaction: Most awarded bank in the Southeast for Retail Banking Customer Satisfaction by J.D. Power, earning regional recognition in 12 of the last 17 years.
• Commercial Excellence: Earned multiple 2026 Greenwich Best Bank awards for Small Business Banking.
• Global Recognition: Consistently named among the World’s Best and America’s Best Banks by Forbes.
• Workplace Culture: Recognized as one of the “Best Banks to Work For” by American Banker for nine consecutive years.

The Floyd County Financial Network

Reflecting its ongoing commitment to the economic vitality of the wider county, United Community offers a full range of banking, mortgage, and wealth management services across several convenient local access points:

• Downtown Rome Hub (307 East Second Avenue): The cornerstone of the bank's local presence. This historic 1974 brick facility serves as the primary main branch in Rome, anchoring the downtown commercial district near the Etowah River corridor. It offers complete personal banking, commercial lending, mortgage services, wealth guidance, and a 24-hour secure drive-up ATM/ITM system.
  Phone: (706) 234-5800
• Mount Berry Branch (2760 Martha Berry Highway): Opened in 2001 to support the booming commercial, educational, and residential corridors near historic Berry College. This full-service facility mirrors the Second Avenue location by providing comprehensive personal banking, commercial lending, and mortgage services.
  Phone: (706) 378-2225
• West Rome ITM (2436 Shorter Avenue NW): Serving the busy Shorter Avenue retail corridor, this specialized location features a high-tech Interactive Teller Machine (ITM). ITMs connect users to a live, face-to-face video teller, combining digital convenience with human service for extended-hour deposits and transactions.
• Cave Spring ITMs (15 Cedartown Street SW): Extending the bank's reach to southern Floyd County, this location provides two continuous-access ITMs in historic Cave Spring. These machines ensure that all depositors have the exact same robust banking capability, live teller assistance, and financial connection as our central branch locations.

For prospective customers and long-time residents alike, United Community's Floyd County footprint represents more than just financial convenience—it stands as a five-decade symbol of safety, stability, and award-winning service.

Learn more at ucbi.com