Reliant Bank

What Reliant Bank does

Reliant Bank is a privately held community bank founded in 2006 and headquartered in Brentwood, Pennsylvania, serving Central Pennsylvania consumers and businesses with online and in-person banking services. The bank operates with a workforce of 101-250 employees and runs a hybrid omni-channel model that combines local physical banking centers with digital channels (online banking and a mobile application), enabling account opening, deposit management, and lending transactions through either channel. The deposit franchise spans consumer checking, savings, money market, and certificates of deposit, complemented by personal lending, mortgage, and home equity products.

The bank's commercial offering includes business checking and treasury services alongside a full stack of business lending: loans and lines of credit, real estate lending, SBA lending, USDA lending programs, equipment lending, asset-based lending, and syndicated or participated loans. Mortgage capabilities cover purchase, refinance, construction, and construction-to-permanent loans, with down payment assistance for first-time homebuyers. The revenue model is a classic community bank mix: primarily net interest income from the loan portfolio and related interest expense on deposits, supplemented by deposit account fees, debit and credit card interchange, treasury management fees, merchant services, and wealth management advisory fees. Distribution runs through retail branches, a mobile app, online account opening, ATMs/interactive teller machines, and relationship-based bankers for complex commercial and wealth needs.

The bank's go-to-market is a relationship-led community banking approach with a digital self-service layer. The firm is FDIC-insured and holds an NMLS mortgage lender registration, reinforcing its position as a regulated depository. Notable operational history includes the January 2018 acquisition of Community First Inc., which expanded the bank's deposit and lending footprint. Leadership comprises CEO DeVan Ard and co-founder and board member Darrell S. Freeman. Note: a portion of the supplied data references a similarly named entity (United Community Bank, Greenville, SC), and the detailed product catalog in the source material appears to relate to that entity rather than Reliant Bank specifically; this description relies on the firmographic data tied directly to Reliant Bank and treats the more detailed product/technology data as indicative of community banking practice rather than confirmed Reliant Bank capabilities.

Name

Reliant Bank

Legal name

United Community Bank

Website

https://reliantbank.com

Company type

Private

Founded year

2006

Operating status

Operating

Headcount range

101–250 employees

Short description

Reliant Bank is a privately held community bank founded in 2006, headquartered in Brentwood, Pennsylvania, serving Central Pennsylvania consumers and businesses with combined online and in-person banking, lending, and mortgage services.

Ownership category

akta.pro rank

Headquarters

HQ city

Brentwood

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Interest Income from Lending: Revenue from interest earned on loans including personal loans, home equity loans, mortgages, business loans, SBA lending, USDA lending, equipment lending, and commercial real estate loans
2. Deposit Account Fees: Fees from checking and savings accounts, money market accounts, and certificates of deposit
3. Credit Card Revenue: Fees and interchange income from credit card products including personal and commercial cards
4. Wealth Management Services: Advisory and management fees from private wealth services
5. Treasury Management Services: Fees for business payment services including merchant services, fraud protection, and account management
6. Mortgage Lending: Revenue from mortgage originations including purchase mortgages, refinances, and construction loans

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels6 records

Core offering

Reliant Bank operates as a regional community bank providing personal banking, business banking, mortgage, and wealth management services to consumers and businesses in the Southeast United States. Offerings include deposit accounts (checking, savings, CDs, money market), consumer and commercial lending (personal loans, home equity, mortgages, SBA, USDA, equipment, asset-based, syndicated), credit cards, treasury and merchant services for businesses, and wealth advisory and insurance products. Services are delivered through FDIC-insured physical branches, an online banking portal, a mobile app, and dedicated relationship bankers.

Product overview

Reliant Bank (operating as United Community Bank) offers a unified banking platform with multiple service lines including Personal Banking, Business Banking, Mortgage, and Wealth Management. The core banking products are supported by digital channels (United Mobile App and Online Banking) and complementary services (Treasury Management, Credit Cards, Merchant Services). Personal banking includes checking, savings, CDs, money market accounts, and loans; Business banking encompasses deposit accounts, lending products, and specialized lending (SBA, USDA, equipment, asset-based); Mortgage services cover purchase, refinance, and construction loans; Wealth management provides advisory and insurance services. The digital banking experience centers on the United Mobile App with features like mobile deposit, card controls, Zelle, and bill pay.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Banking Comprehensive personal banking services for individual consumers including checking accounts, savings accounts, certificates of deposit (CDs), money market accounts, credit cards, personal loans, home equity loans and HELOCs, and mortgage products.
• Business Banking Business banking solutions including business checking, savings, CDs, money market accounts, debit cards, business loans and lines of credit, real estate lending, SBA lending, USDA lending, equipment lending, asset-based lending, and syndicated loans for business customers.
• Mortgage Home loan products including purchase mortgages, refinancing options (rate term and cash-out), home construction and renovation loans, construction-to-permanent lending, and first-time homebuyer programs with down payment assistance.
• Wealth Management Wealth management services including financial advisors, private wealth services, and insurance products for comprehensive financial planning.
• Treasury Management Business payment and cash management services including account reporting, liquidity management, accounts receivable services, accounts payable services, merchant services, fraud protection, and positive pay for business customers.
• United Credit Cards Credit card products for both personal and business customers, including standard credit cards and commercial cards.
• Merchant Services Payment processing services for business customers enabling them to accept card payments.
• Greenlight for Kids and Teens Financial tool designed for children and teenagers to help them learn about money management and banking.
• United Mobile App Mobile banking application enabling customers to view and manage accounts, turn debit cards off, access account controls, deposit checks via mobile, and bank anytime from mobile devices.
• Online Banking Digital banking platform providing 24/7 account access, bill pay, eStatements, alerts and notifications, Zelle peer-to-peer payments, card controls, and text banking support.

Quantifiable outcome

• Ranked #1 in Customer Satisfaction for Retail Banking in the Southeast by J.D. Power 2026
• +1 more outcomes

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Three partnerships are on record, tiered minor.

• Habitat for HumanityminorOthersUnited Community Bank Foundation supports affordable homeownership through Habitat for Humanity builds. Team members volunteered in Wake County, NC Habitat build supporting housing goals for families.
• DECA (Distributive Education Clubs of America)minorOthersPartnership supporting student financial literacy projects including the Secure Seniors initiative. Supported students presenting at DECA International Career Development Conference.
• Wreaths Across AmericaminorOthersSupport for veteran recognition programs through local chapter donations. Organization works to remember, honor, and teach about fallen veterans.

Scale indicators2 records

Recent moves1 record

Expansion highlights2 records

Direct peers

• Synovus Financial: Regional commercial bank headquartered in the Southeast US with comparable deposit, commercial lending, mortgage, and wealth management lines. Direct competitor for retail and SMB customers across overlapping Southeast markets.
• Pinnacle Financial Partners: Mid-sized regional bank with a relationship-banking model, comprehensive treasury management, mortgage, and wealth offerings. Operates in the Southeast and competes head-to-head for commercial and high-net-worth clients.
• Ameris Bancorp: Southeast-headquartered community bank offering similar deposit, SBA, mortgage, and treasury management services. Comparable scale and product mix, with direct geographic overlap in the Southeast.
• Atlantic Union Bankshares: Regional commercial bank with full personal, business, mortgage, and wealth product suite, plus treasury management. Comparable size and operating model, with overlapping Mid-Atlantic/Southeast presence.
• Cadence Bank: Regional bank offering commercial, treasury management, wealth, and consumer banking services across the Southeast and Texas. Comparable relationship-banking and product breadth to UCB.
• Live Oak Bancshares: Community bank known for SBA lending specialization and digital-first operations. Comparable size, with an overlapping SBA/government-backed lending focus and similar Southeast footprint.
• First Horizon Corporation: Large regional bank with comparable retail, commercial, mortgage, and wealth management offerings across the Southeast. Comparable product breadth but at meaningfully larger scale.
• SouthState Corporation: Southeast-focused regional bank offering comparable personal, business, mortgage, and wealth products. Highly overlapping geography and a similar relationship-banking approach.

Broad incumbents

• Regions Financial: Major Southeast-headquartered bank with full personal, business, mortgage, wealth, and treasury management capabilities. Overlaps directly across the Southeast but at substantially larger scale.
• Truist Financial: One of the largest US banks with deep Southeast concentration post-BB&T/SunTrust merger. Competes across all of UCB's product lines with substantially larger scale and budget.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights6 records

Customer concentration

• Xx.com/ucbi
• YouTubeyoutube.com/channel/UCialrI_WTci-LSccpPvBiSA
• Facebookfacebook.com/unitedcommunitybank
• LinkedInlinkedin.com/company/united-community-bank
• Instagraminstagram.com/unitedcommunitybank

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Reliant Bank