United Community Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Loan-to-deposit ratio climbed 6.88 percentage points in Q2 2026, from 84.14% to 91.02%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, United Community Bank is 141st of 225 on return on assets, 1.22% as of Q2 2026, below the middle of the field. At 1.22%, United Community Bank's return on assets is close to the 1.25% median for banks in the $100M-1B asset tier (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.41% |
| Tier 1 risk-based capital ratio | 11.41% |
| Total risk-based capital ratio | 12.66% |
| Tier 1 leverage ratio | 8.45% |
| Equity capital to assets | 9.16% |
| Tangible equity to tangible assets | 8.12% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.51% |
| Non-performing assets ratio | 1.10% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 11.97% |
| Allowance for credit losses to loans | 1.58% |
| Reserve coverage of non-performing loans | 105.27% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.22% |
| Return on equity | 13.37% |
| Net interest margin | 3.26% |
| Efficiency ratio | 58.94% |
| Yield on earning assets | 5.13% |
| Cost of funds | 2.05% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.02% |
| Core deposits to total deposits | 93.17% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 80.24% |
| Securities to assets | 16.35% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 10.31% | 10.31% | 11.48% | 8.01% | 0.36% |
| Q4 2023 | 10.62% | 10.62% | 11.84% | 8.03% | 0.35% |
| Q1 2024 | 10.62% | 10.62% | 11.87% | 8.18% | 0.48% |
| Q2 2024 | 10.65% | 10.65% | 11.90% | 8.12% | 0.43% |
| Q3 2024 | 10.75% | 10.75% | 12.00% | 8.12% | 0.39% |
| Q4 2024 | 10.96% | 10.96% | 12.21% | 8.12% | 0.63% |
| Q1 2025 | 10.85% | 10.85% | 12.11% | 8.12% | 0.68% |
| Q2 2025 | 10.51% | 10.51% | 11.77% | 8.01% | 0.71% |
| Q3 2025 | 10.74% | 10.74% | 12.00% | 8.12% | 0.98% |
| Q4 2025 | 11.72% | 11.72% | 12.97% | 8.07% | 0.79% |
| Q1 2026 | 11.74% | 11.74% | 12.99% | 8.23% | 1.02% |
| Q2 2026 | 11.41% | 11.41% | 12.66% | 8.45% | 1.22% |
United Community Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock United Community Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full United Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13656) · FFIEC NIC profile (RSSD 884648)