United Community Bank
United Community Bank is the primary bank subsidiary of its parent holding company, headquartered in Chatham, IL. United Community's Q1 2026 balance sheet shows $4.2B in assets funded primarily by $3.5B in customer deposits. Profitability is strong — 1.22% ROA, paired with 12.37% ROE and a 2.91% net interest margin. Capital is comfortably above regulatory minimums — CET1 ratio of 13.83% sits well above the 7% well-capitalized threshold. Credit metrics are pristine, with nonperforming loans at just 0.22%. Its footprint covers 46 branches concentrated in Illinois.
Headquarters Profile
- Address
- 301 N Main St, CHATHAM, IL 62629
- County
- Sangamon
- Metro Area
- SPRINGFIELD, IL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- Fed District
- 9
- Established
- July 12, 1965
- Branches
- 46 domestic
- Employees (FTE)
- 562
- FDIC Cert
- 19459
- Fed RSSD
- 439338
- Website
- www.ucbbank.com →
- Parent Holding Company
- UNITED COMMUNITY BANCORP, INC. (RSSD 1097182)
Capital & Liquidity
Inside the full United Community Bank terminal
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United Community Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 14 events.
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Frequently asked about United Community Bank
What are United Community Bank's total assets?
As of the Q1 2026 filing, United Community Bank reported total assets of $4.17 billion in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is United Community Bank headquartered?
United Community Bank is headquartered in CHATHAM, IL, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was United Community Bank founded?
United Community Bank was established in 1965, per the FDIC institution directory.
Is United Community Bank FDIC-insured?
Yes. United Community Bank is an FDIC-insured commercial bank (FDIC Certificate #19459). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates United Community Bank?
United Community Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is United Community Bank's CET1 capital ratio?
United Community Bank reported a Common Equity Tier 1 (CET1) capital ratio of 13.83% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does United Community Bank operate?
United Community Bank operates 46 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is United Community Bank's Texas Ratio?
United Community Bank's Texas Ratio is 2.16% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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