UNITED COMMUNITY BANK

CHATHAM, IL | Large | Est. July 12, 1965, midnight | FDIC #19459 | RSSD #439338 | FDIC
Latest Report: 2025-12-31

UNITED COMMUNITY BANK is aln large FDIC-insured commercial bank headquartered in CHATHAM, IL, established in July 12, 1965, midnight. As of 2025-12-31, the bank reported total assets of $4.1B and total deposits of $3.4B. Profitability stands at 1.30% ROA and 13.02% ROE, with a net interest margin of 3.19%. The bank's CET1 capital ratio is 13.36%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.14% and a Texas Ratio of 1.43%. FDIC Certificate #19459.

Assets

$4.1B

Deposits

$3.4B

Loans

$2.6B

Equity

$403M

Profitability

Return on Assets (ROA) 1.30%
Return on Equity (ROE) 13.02%
Net Interest Margin (NIM) 3.19%
Yield on Assets 5.31%
Cost of Funds 3.93%

Asset Quality

NPL Ratio 0.14%
Net Charge-Off Ratio 0.02%
Texas Ratio 1.43%
NPA Ratio 0.15%
ACL / Loans 1.31%

Capital & Liquidity

CET1 Ratio 13.36%
Tier 1 Capital 13.36%
Total Capital Ratio 14.59%
Leverage Ratio 9.85%
Loan-to-Deposit 75.80%

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