UNITED COMMUNITY BANK

MILFORD, IA | Small | Est. June 10, 1931, midnight | FDIC #13656 | RSSD #884648 | FDIC
Latest Report: 2025-12-31

UNITED COMMUNITY BANK is asn small FDIC-insured commercial bank headquartered in MILFORD, IA, established in June 10, 1931, midnight. As of 2025-12-31, the bank reported total assets of $289M and total deposits of $241M. Profitability stands at 0.80% ROA and 9.01% ROE, with a net interest margin of 2.97%. The bank's CET1 capital ratio is 11.72%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.53% and a Texas Ratio of 10.44%. FDIC Certificate #13656.

Assets

$289M

Deposits

$241M

Loans

$197M

Equity

$26M

Profitability

Return on Assets (ROA) 0.80%
Return on Equity (ROE) 9.01%
Net Interest Margin (NIM) 2.97%
Yield on Assets 5.16%
Cost of Funds 2.25%

Asset Quality

NPL Ratio 1.53%
Net Charge-Off Ratio --
Texas Ratio 10.44%
NPA Ratio 1.04%
ACL / Loans 1.61%

Capital & Liquidity

CET1 Ratio 11.72%
Tier 1 Capital 11.72%
Total Capital Ratio 12.97%
Leverage Ratio 8.07%
Loan-to-Deposit 81.76%

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