United Community Bank (Chatham, IL)
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Data as of · sourced from FFIEC call reports. How we update
United Community Bank is an FDIC-insured commercial bank headquartered in Chatham, IL, established in 1965 (FDIC certificate 19459), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $4.13B, up 6.4% from Q2 2025, the 18th largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 13.70% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 19459
- Headquarters
- Chatham, IL
- Established
- 1965
- Total assets, Q2 2026
- $4.13B
- Assets vs Q2 2025
- +6.4%
- CET1 ratio, Q2 2026
- 13.70%
- Domestic offices
- 46 FDIC institution directory, current count
- Routing number
- 071108407
- Latest call report
- Q2 2026, FFIEC 041 · United Community Bank call report
- Holding company
- UNITED COMMUNITY BANCORP, INC.
- Asset rank in state
- 18th of 319 in Illinois
United Community Bank, based in Chatham, Illinois, reported $4.1 billion in assets at June 30, 2026, up 6.4% from a year earlier. It keeps 3.12 cents of net interest income on every dollar of earning assets, lower than about three-quarters of the 895 banks with $1 billion to $10 billion in assets (median 3.71 cents). On the other hand, it spends about 50 cents to bring in each dollar of revenue, lower than about three-quarters of banks its size (median 58 cents).
Problem loans have nearly doubled in a year: loans on nonaccrual or 90 or more days past due, net of government guarantees are 0.31% of loans, against 0.15% a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $42 million equal 10% of Tier 1 capital, down from 15% a year earlier.
As of June 30, 2026, United Community Bank reported a CET1 capital ratio of 13.70%, a return on assets of 1.39%, a nonperforming-loan ratio of 0.31% and a Texas ratio of 2.47%. The figures come from its call report filed with the FFIEC.
Of the 319 banks headquartered in Illinois, United Community Bank is the 18th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 0.9% to $4.13B, loans rose 3.7% and deposits rose 1.6%. Owner-occupied commercial real estate loans made up 18.7% of its total loans on June 30, 2026, its largest category; next came construction and land development loans at 15.2%. The FDIC Summary of Deposits lists 46 offices for it, in 33 cities across 3 states; its Springfield 6 offices book 19% of its branch deposits. On its Q2 2026 call report, United Community Bank meets every capital ratio test for well capitalized.
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
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- July 12, 1965
- Former names
- Chatham Community Bank (1975-1988)
- Domestic offices
- 46 FDIC institution directory, current count
- Employees (FTE)
- 570
- Domestic deposits
- $3.59B
- Allowance for credit losses
- $33.7M
- Net charge-offs (YTD)
- $122K
- Average total assets
- $4.18B
- Average total loans
- $2.60B
- Average interest-bearing deposits
- $2.85B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 12, 1965
- FDIC Cert
- 19459
- Fed RSSD
- 439338
- Website
- www.ucbbank.com →
- Parent Holding Company
- UNITED COMMUNITY BANCORP, INC. (RSSD 1097182)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, United Community Bank's total assets ran between $3.43B (Q3 2023) and $4.17B (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$4.13B total assets against $3.88B; $3.70B total liabilities against $3.50B.
$2.64B net loans and leases against $2.44B; $3.59B total deposits against $3.27B.
$888.1M securities against $913.0M; $449.0M cash and balances due against $374.2M.
$50.3M total interest income against $47.3M; $19.2M total interest expense against $18.9M.
$31.1M net interest income against $28.4M.
$7.8M total noninterest income against $8.0M; $19.8M total noninterest expense against $18.8M.
$391K provision for credit losses against $484K.
$14.6M net income against $13.6M.
1.39% return on assets against 1.41%; 3.12% net interest margin against 3.07%.
13.70% CET1 capital ratio against 13.25%; 10.17% tier 1 leverage ratio against 9.92%.
Inside the full United Community Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeUnited Community Bank rankings
Its closest position to the top of a national ranking is 320 of 4,196, for total assets; its furthest is 2,055 of 3,640, for Texas Ratio.
Banks merged into United Community Bank
- Midland Community Bank, effective October 10, 2026
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.04% (Q3 2024) to 1.41% (Q2 2025) and its net interest margin ran from 2.86% (Q1 2025) to 3.12% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.70% | 1.39% | 0.31% | 2.47% | 3.12% |
| Q1 2026 | 13.83% | 1.22% | 0.23% | 2.04% | 2.91% |
| Q4 2025 | 13.36% | 1.29% | 0.18% | 1.75% | 3.07% |
| Q3 2025 | 13.52% | 1.31% | 0.21% | 1.98% | 3.03% |
| Q2 2025 | 13.25% | 1.41% | 0.15% | 1.70% | 3.07% |
| Q1 2025 | 12.87% | 1.09% | 0.23% | 2.42% | 2.86% |
| Q4 2024 | 12.83% | 1.16% | 0.15% | 1.96% | 3.09% |
| Q3 2024 | 12.94% | 1.04% | 0.23% | 2.43% | 2.95% |
Swipe the table sideways to see every column.
Branch Network
View all 46 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| United Community Bank (main office) | Chatham , IL | 62629 | $551.1M |
| Springfield Montvale Plaza Branch | Springfield , IL | 62704 | $417.3M |
| Quincy (33rd Street) Branch | Quincy , IL | 62301 | $347.8M |
| Carthage Br | Carthage , IL | 62321 | $200.5M |
| Liberty Bank Branch | Alton , IL | 62002 | $159.8M |
| Gillespie Main Branch | Gillespie , IL | 62033 | $114.5M |
| Pawnee Main Branch | Pawnee , IL | 62558 | $103.0M |
| Auburn Plaza | Auburn , IL | 62615 | $96.9M |
| Stevenson Drive Branch | Springfield , IL | 62703 | $91.4M |
| Godfrey Branch | Godfrey , IL | 62035 | $87.0M |
| United Commonwealth Bank Branch | Naples , FL | 34103 | $86.7M |
| Bunker Hill Main Branch | Bunker Hill , IL | 62014 | $75.7M |
| Pittsfield Branch | Pittsfield , IL | 62363 | $70.1M |
| Sherman Village Center | Sherman , IL | 62684 | $69.9M |
| Lincoln Branch | Lincoln , IL | 62656 | $68.4M |
| 430 W Jackson St Branch | Macomb , IL | 61455 | $65.8M |
| Godfrey Rt 67 Branch | Godfrey , IL | 62035 | $65.3M |
| Farmers State Bank of Camp Point Branch | Camp Point , IL | 62320 | $64.1M |
| Mount Sterling Br | Mount Sterling , IL | 62353 | $62.8M |
| Springfield Br | Springfield , IL | 62711 | $61.3M |
| Greenfield Branch | Greenfield , IL | 62044 | $54.2M |
| Marine Bank & Trust Branch | Hamilton , IL | 62341 | $52.6M |
| Carlinville Branch | Carlinville , IL | 62626 | $50.6M |
| Chatham Road Facility | Springfield , IL | 62704 | $48.4M |
| Bethalto Branch | Bethalto , IL | 62010 | $48.3M |
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.
| Date | Category | Event | Source |
|---|---|---|---|
| October 10, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 10, 2026 | Structure Change | Acquired Midland Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 6, 2019 | Structure Change | Acquired Mercantile Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 6, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 10, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 10, 2018 | Structure Change | Acquired Liberty Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 24, 2017 | Structure Change | Acquired Farmers State Bank of Camp Point Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 23, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 12, 2016 | Structure Change | Acquired Brown County State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 11, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 20, 2005 | Structure Change | Acquired State Bank of Auburn Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 19, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 11, 1994 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 11, 1994 | Structure Change | Acquired United Community Bank - Greenfield Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 21, 1989 | Structure Change | Acquired United Community Bank *Pawnee* Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 20, 1989 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 16 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.5% of deposits in IL, rank 28 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,910 applications, 1,433 loans originated, $298.3M originated, across 17 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 5 loans, $1.1M approved, $211K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about United Community Bank
What are United Community Bank's total assets?
As of the Q2 2026 filing, United Community Bank reported total assets of $4.13 billion in its FFIEC call report.
Where is United Community Bank headquartered?
It is headquartered in Chatham, IL, United States.
When was United Community Bank founded?
It was established in 1965, per the FDIC institution directory.
Is United Community Bank FDIC-insured?
Yes. It 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.
What is United Community Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.70% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does United Community Bank operate?
It operates 46 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is United Community Bank's Texas Ratio?
Its Texas Ratio is 2.47% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was United Community Bank previously called?
The charter now named United Community Bank has also operated as Chatham Community Bank (1975-1988), per FDIC structure-change records.
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