United Community Bank (Raceland, LA)
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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 Raceland, LA, established in 1964 (FDIC certificate 19143), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $665.5M, up 2.5% from Q2 2025, the 28th largest of 102 banks headquartered in Louisiana. It reports no CET1 ratio; its Tier 1 leverage ratio was 14.47% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 19143
- Headquarters
- Raceland, LA
- Established
- 1964
- Total assets, Q2 2026
- $665.5M
- Assets vs Q2 2025
- +2.5%
- Tier 1 leverage ratio, Q2 2026
- 14.47%
- Domestic offices
- 11 FDIC institution directory, current count
- Routing number
- 065401107
- Latest call report
- Q2 2026, FFIEC 051 · United Community Bank call report
- Holding company
- COMMUNITY BANCORP OF LOUISIANA, INC.
- Asset rank in state
- 28th of 102 in Louisiana
United Community Bank earns an unusually wide margin on its lending. It reported $666 million in assets at June 30, 2026, up 2.5% from a year earlier. It keeps 5.28 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). On the other hand, it holds commercial real estate loans worth 2.5 times its capital, about double the median of 1.2 times for banks its size.
Delinquency has appeared in its $164 million non-owner-occupied commercial real estate book: 6.12% of those loans are past due or on nonaccrual, against almost none a year earlier. Net income for the quarter rose 27% from a year earlier, to $3.0 million. One more trend to watch: the commercial and industrial book ($96 million) is worsening: 1.44% of it is past due or on nonaccrual, up from 0.47% a year earlier.
As of June 30, 2026, United Community Bank reported a return on assets of 1.77%, a nonperforming-loan ratio of 0.73% and a Texas ratio of 6.16%. The figures come from its call report filed with the FFIEC.
United Community Bank ranks as the 28th largest of the 102 banks based in Louisiana, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 2.3% to $665.5M, loans rose 1.1% and deposits fell 3.1%. Non-owner-occupied commercial real estate loans made up 31.8% of its total loans on June 30, 2026, its largest category; next came construction and land development loans at 20.4%. The FDIC Summary of Deposits lists 11 offices for it, in 9 cities in LA; its Gonzales 2 offices book 24% of its branch deposits. On its Q2 2026 call report, United Community Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 4626 Highway 1, Raceland, LA 70394
- County
- Lafourche
- Metro Area
- Houma-Bayou Cane-Thibodaux, LA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 20, 1964
- Former names
- Community Bank (2006-2015); Community Bank of Lafourche (1969-1999)
- Domestic offices
- 11 FDIC institution directory, current count
- Employees (FTE)
- 131
- Domestic deposits
- $560.0M
- Allowance for credit losses
- $15.9M
- Net charge-offs (YTD)
- $437K
- Average total assets
- $671.5M
- Average total loans
- $509.7M
- Average interest-bearing deposits
- $407.7M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 20, 1964
- FDIC Cert
- 19143
- Fed RSSD
- 90337
- Website
- WWW.UCBANKING.COM →
- Parent Holding Company
- COMMUNITY BANCORP OF LOUISIANA, INC. (RSSD 1977154)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, United Community Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
United Community Bank's total assets moved between a low of $618.6M (Q2 2024) and a high of $681.3M (Q1 2026) from Q3 2023 to Q2 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
$665.5M total assets against $649.1M; $570.4M total liabilities against $551.8M.
$500.5M net loans and leases against $495.8M; $560.0M total deposits against $527.9M.
$43.1M securities against $44.8M; $73.6M cash and balances due against $59.2M.
$10.5M total interest income against $10.1M; $2.2M total interest expense against $1.9M.
$8.3M net interest income against $8.2M.
$1.6M total noninterest income against $424K; $6.9M total noninterest expense against $6.3M.
$0 provision for credit losses against $0.
$3.0M net income against $2.3M.
1.77% return on assets against 1.47%; 5.28% net interest margin against 5.52%.
14.47% tier 1 leverage ratio against 15.70%.
Inside the full United Community Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
United Community Bank rankings
Its closest position to the top of a national ranking is 782 of 3,611, for ROA; its furthest is 2,732 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.47% (Q2 2025) to 2.85% (Q4 2024) and its net interest margin ran from 4.94% (Q1 2026) to 6.61% (Q4 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.47% | 1.77% | 0.73% | 6.16% | 5.28% |
| Q1 2026 | 14.11% | 1.64% | 0.40% | 4.66% | 4.94% |
| Q4 2025 | 14.55% | 2.22% | 0.57% | 5.24% | 5.29% |
| Q3 2025 | 15.64% | 1.82% | 0.53% | 5.05% | 5.74% |
| Q2 2025 | 15.70% | 1.47% | 0.58% | 5.56% | 5.52% |
| Q1 2025 | 15.91% | 1.93% | 1.13% | 8.50% | 5.51% |
| Q4 2024 | 15.27% | 2.85% | 0.60% | 6.14% | 6.61% |
| Q3 2024 | 15.66% | 1.52% | 0.59% | 6.06% | 5.44% |
Swipe the table sideways to see every column.
Branch Network
View all 11 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) | Raceland , LA | 70394 | $124.5M |
| Thibodaux Branch | Thibodaux , LA | 70301 | $103.4M |
| Gonzales Br | Gonzales , LA | 70737 | $100.9M |
| Golden Meadow Branch | Golden Meadow , LA | 70357 | $48.5M |
| Prairieville Branch | Prairieville , LA | 70769 | $41.6M |
| Heritage Crossing Office Branch | Gonzales , LA | 70737 | $32.6M |
| Coursey Branch | Baton Rouge , LA | 70816 | $27.2M |
| Houma Branch | Houma , LA | 70360 | $26.6M |
| Larose Branch | Larose , LA | 70373 | $23.5M |
| Bluebonnet Office Branch | Baton Rouge , LA | 70810 | $20.7M |
| Laplace Branch | La Place , LA | 70068 | $10.6M |
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 |
|---|---|---|---|
| March 23, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 21, 2015 | Structure Change | Acquired United Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.4% of deposits in LA, rank 36 of 118 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $1.4M approved, $710K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2000 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 $665.5 million in its FFIEC call report.
Where is United Community Bank headquartered?
It is headquartered in Raceland, LA, United States.
When was United Community Bank founded?
It was established in 1964, per the FDIC institution directory.
Is United Community Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #19143). 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.
How many branches does United Community Bank operate?
It operates 11 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 6.16% 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 Community Bank (2006-2015), Community Bank of Lafourche (1969-1999), per FDIC structure-change records.
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