United Community Bank (Chatham, IL): Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Headquartered in Chatham, United Community Bank serves the Illinois market as a community-focused commercial bank. As of Q2 2026, the bank held approximately $4.1B in total assets and $3.6B in deposits. Profitability is strong, 1.39% ROA, paired with 13.89% ROE and a 3.12% net interest margin. Regulatory capital is solid, 13.70% CET1 and 14.87% total risk-based capital ratio. Asset quality is pristine, 0.31% NPLs and a 3.05% Texas Ratio. United Community operates a 46-branch network.
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%, a Texas ratio of 3.05%, per financial data filed with the FFIEC.
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)
- Offices
- 46 domestic
- Employees (FTE)
- 570
- Domestic deposits
- $3.59B
- Allowance for credit losses
- $33.7M
- Net charge-offs (YTD)
- $122K
- 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
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full United Community Bank terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock United Community Bank, freeUnited Community Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.70% | 1.39% | 0.31% | 3.05% | 3.12% |
| Q1 2026 | 13.83% | 1.22% | 0.22% | 2.16% | 2.91% |
| Q4 2025 | 13.36% | 1.29% | 0.16% | 1.89% | 3.07% |
| Q3 2025 | 13.52% | 1.31% | 0.20% | 2.15% | 3.03% |
| Q2 2025 | 13.25% | 1.41% | 0.16% | 1.88% | 3.07% |
| Q1 2025 | 12.87% | 1.09% | 0.18% | 2.67% | 2.86% |
| Q4 2024 | 12.83% | 1.16% | 0.16% | 2.16% | 3.09% |
| Q3 2024 | 12.94% | 1.04% | 0.22% | 2.63% | 2.95% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 46 branches →
| 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 |
|---|---|---|---|
| April 6, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 6, 2019 | Structure Change | Acquired Mercantile Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| 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 Illini Bank 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 14 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for United Community Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.5% of deposits in IL, rank 28 of 383 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.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. 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 13.70% 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?
United Community Bank 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?
United Community Bank's Texas Ratio is 3.05% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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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