UNITED COMMUNITY BANK

RACELAND, LA | Medium | Est. June 20, 1964, midnight | FDIC #19143 | RSSD #90337 | FDIC
Latest Report: 2025-12-31

UNITED COMMUNITY BANK is amn medium FDIC-insured commercial bank headquartered in RACELAND, LA, established in June 20, 1964, midnight. As of 2025-12-31, the bank reported total assets of $681M and total deposits of $560M. Profitability stands at 2.28% ROA and 15.50% ROE, with a net interest margin of 5.34%. The bank's CET1 capital ratio is 14.44%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.57% and a Texas Ratio of 5.23%. FDIC Certificate #19143.

Assets

$681M

Deposits

$560M

Loans

$511M

Equity

$98M

Profitability

Return on Assets (ROA) 2.28%
Return on Equity (ROE) 15.50%
Net Interest Margin (NIM) 5.34%
Yield on Assets 6.85%
Cost of Funds 1.67%

Asset Quality

NPL Ratio 0.57%
Net Charge-Off Ratio 0.06%
Texas Ratio 5.23%
NPA Ratio 0.88%
ACL / Loans 3.20%

Capital & Liquidity

CET1 Ratio 14.44%
Tier 1 Capital 14.44%
Total Capital Ratio 15.17%
Leverage Ratio 14.55%
Loan-to-Deposit 91.29%

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