Branch Network
United Community Bank Locations & Branches Milford, Iowa
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United Community Bank operates 5 branches from its headquarters in Milford, IA, .
United Community Bank branch network
All 5 branches are in IOWA, across 5 cities. Its largest office by deposits is its main office in Milford, IA, with $127.4M (54.8% of its branch deposits). It had the same number of branches on June 30, 2025.
United Community Bank at a glance
Its CET1 capital ratio was 11.41% at Q2 2026, above regulatory requirements.
- Total assets, Q2 2026
- $290.0M
- CET1 ratio, Q2 2026
- 11.41%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Latest call report
- Q2 2026, FFIEC 051
- Established
- 1931
Full financial profile · Is United Community Bank safe? · United Community Bank call report · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Milford, IA (1 branch) | 1 of 3 | 45.2% | $127.4M |
| State: IA (5 branches) | 122 of 261 | 0.2% | $232.7M |
Ranked by total assets among banks headquartered in the state: Largest banks in Iowa.
Share by county and metro area
United Community Bank's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Dickinson, IA (3 branches) | 4 of 8 | 13.3% | $178.0M | $1.34B |
| O'brien, IA (1 branch) | 8 of 9 | 3.1% | $32.0M | $1.02B |
| Osceola, IA (1 branch) | 4 of 4 | 9.6% | $22.7M | $237.1M |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Spirit Lake, IA (3 branches) | 4 of 8 | 13.3% | $178.0M | $1.34B |
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| United Community Bank (main office) | Milford, IA | 51351 | $127.4M |
| Hartley Branch | Hartley, IA | 51346 | $32.0M |
| Lake Park Branch | Lake Park, IA | 51347 | $29.0M |
| Ocheyedan Branch | Ocheyedan, IA | 51354 | $22.7M |
| Okoboji Branch | Okoboji, IA | 51355 | $21.6M |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 13656) · FFIEC NIC profile (RSSD 884648)