Bank Comparison
United Community Bank vs John Deere Financial, F.S.B.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 9
winning metrics across 21 comparable rows
Capital adequacy
| Metric | United Community Bank | John Deere Financial, F.S.B. |
|---|---|---|
| CET1 Ratio | 13.83% | — |
| Tier 1 Capital Ratio | 13.83% | — |
| Total Capital Ratio | 15.04% | — |
| Tier 1 Leverage Ratio | 9.96% | 24.63% |
| Equity / Assets | 9.86% | 21.17% |
Profitability
| Metric | United Community Bank | John Deere Financial, F.S.B. |
|---|---|---|
| Return on Assets (ROA) | 1.22% | 5.40% |
| Return on Equity (ROE) | 12.37% | 22.56% |
| Net Interest Margin (NIM) | 2.91% | 6.52% |
| Yield on Earning Assets | 4.84% | 10.01% |
| Cost of Funds | 2.07% | 4.24% |
Asset quality
| Metric | United Community Bank | John Deere Financial, F.S.B. |
|---|---|---|
| Texas Ratio | 2.16% | 4.27% |
| Non-Performing Loan Ratio | 0.22% | 0.92% |
| Non-Performing Asset Ratio | 0.20% | 0.91% |
| Net Charge-Off Ratio | 0.02% | 0.34% |
| ACL / Loans | 1.30% | 0.14% |
Balance sheet
| Metric | United Community Bank | John Deere Financial, F.S.B. |
|---|---|---|
| Total Assets | $4,165M | $4,106M |
| Total Deposits | $3,531M | $1,358M |
| Total Loans | $2,577M | $4,049M |
| Total Equity | $410,524K | $869,513K |
| Net Income (quarter) | $12,578K | $47,703K |
Liquidity & funding
| Metric | United Community Bank | John Deere Financial, F.S.B. |
|---|---|---|
| Loan-to-Deposit Ratio | 72.98% | 298.02% |
| Core Deposit Ratio | 95.99% | 0.92% |
| Uninsured Deposit Ratio | 37.56% | 100.00% |
Identity
| Metric | United Community Bank | John Deere Financial, F.S.B. |
|---|---|---|
| Headquarters City | CHATHAM | MIDDLETON |
| Headquarters State | IL | WI |
| Asset Tier | Large | Large |
| Charter Class | 0 | 715685 |
| Regulator | FDIC | OCC |
| Domestic Branches | 46 | 1 |
| Employees (FTE) | 562 | 88 |
| Established | July 12, 1965, midnight | Dec. 24, 2000, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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