BanksUNITED COMMUNITY BANK

UNITED COMMUNITY BANK

CHATHAM, ILLargeEst. July 12, 1965, midnightFDIC #19459RSSD #439338FDIC
Latest · 2025-12-31

UNITED COMMUNITY BANK is an 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%. CET1 capital ratio: 13.36%, well above regulatory minimums. NPL ratio: 0.14% · Texas Ratio: 1.43%. Operates 46 domestic branches.

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 Margin3.19%
Yield on Assets5.31%
Cost of Funds2.26%

Asset Quality

NPL Ratio0.14%
Net Charge-Off Ratio0.02%
Texas Ratio1.43%
NPA Ratio0.15%
ACL / Loans1.31%

Capital & Liquidity

CET1 Ratio13.36%
Tier 1 Capital13.36%
Total Capital Ratio14.59%
Leverage Ratio9.85%
Loan-to-Deposit75.80%

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