United Community Bank
Milford, IA · Cert 13656 · Peer group: banks under $1B in assets in IA (n=134-135) · Milford Bcorp
State charter, non-member · FDIC · 5 branches
Q2 2026
$290.0MAssets
$211.8MLoans
$232.7MDeposits
$26.6MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in IA (rank 45 of 134).
- Widest gap: equity / assets trails 84% of banks under $1B in assets in IA (rank 113 of 135).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.91%
Rank 104 of 135
Net Interest Margin
3.03%
Rank 94 of 135
Efficiency Ratio
60.87%
Rank 89 of 135
Equity / Assets
9.16%
Rank 113 of 135
Non-interest income vs. expense
Unfavorable gap of $4.9M · efficiency ratio beats 35% of banks under $1B in assets in IA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.91% | 0.92% | 1.19% | 1.47% | Beats 23% | 104 / 135 | | |
| Return on Equity | 9.93% | 7.99% | 10.26% | 13.14% | Beats 44% | 75 / 135 | | |
| Net Interest Margin | 3.03% | 2.95% | 3.41% | 3.73% | Beats 30% | 94 / 135 | | |
| Efficiency Ratio | 60.87% | 50.61% | 57.35% | 63.29% | Beats 35% | 89 / 135 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.51% | 0.03% | 0.51% | 1.26% | Beats 20% | 108 / 134 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.03% | Beats 100% | 45 / 134 | | |
| Capital |
| Tier 1 Capital Ratio | 11.41% | 11.23% | 13.31% | 15.45% | Beats 27% | 99 / 135 | | |
| Total Risk-Based Capital Ratio | 12.66% | 11.61% | 14.06% | 16.47% | Beats 36% | 87 / 135 | | |
| Equity / Assets | 9.16% | 9.87% | 11.05% | 13.07% | Beats 16% | 113 / 135 | | |
| Liquidity & Funding |
| Loans / Deposits | 91.02% | 68.54% | 81.55% | 91.24% | 73rd pctl | 36 / 134 | | |
| Loans / Assets | 73.03% | 57.61% | 68.06% | 76.23% | 63rd pctl | 50 / 135 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |