United Community Bank
Raceland, LA · Cert 19143 · Peer group: banks under $1B in assets operating in a single state (n=748-752) · Community Bcorp of La Inc.
State charter, non-member · FDIC · 11 branches
Q2 2026
$665.5MAssets
$516.4MLoans
$560.0MDeposits
$95.2MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 93% of banks under $1B in assets operating in a single state (rank 49 of 752).
- Widest gap: net charge-offs / loans trails 83% of banks under $1B in assets operating in a single state (rank 623 of 748).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.36%
Rank 233 of 752
Net Interest Margin
4.80%
Rank 49 of 752
Efficiency Ratio
69.67%
Rank 465 of 752
Equity / Assets
14.30%
Rank 132 of 752
Non-interest income vs. expense
Unfavorable gap of $20.7M · efficiency ratio beats 38% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.36% | 0.72% | 1.07% | 1.45% | Beats 69% | 233 / 752 | |
| Return on Equity | 9.49% | 6.78% | 10.58% | 13.65% | Beats 43% | 431 / 752 | |
| Net Interest Margin | 4.80% | 3.18% | 3.69% | 4.17% | Beats 93% | 49 / 752 | |
| Efficiency Ratio | 69.67% | 55.75% | 64.49% | 75.47% | Beats 38% | 465 / 752 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.73% | 0.09% | 0.42% | 1.03% | Beats 36% | 482 / 748 | |
| Net Charge-Offs / Loans | 0.09% | 0.00% | 0.01% | 0.05% | Beats 17% | 623 / 748 | |
| Capital |
| Tier 1 Capital Ratio | 14.47% | 11.55% | 13.75% | 17.60% | Beats 57% | 326 / 752 | |
| Total Risk-Based Capital Ratio | 14.47% | 11.70% | 14.33% | 18.47% | Beats 51% | 372 / 752 | |
| Equity / Assets | 14.30% | 8.93% | 10.56% | 13.13% | Beats 82% | 132 / 752 | |
| Liquidity & Funding |
| Loans / Deposits | 92.22% | 62.23% | 78.64% | 91.26% | 77th pctl | 173 / 752 | |
| Loans / Assets | 77.59% | 54.61% | 67.41% | 76.47% | 78th pctl | 165 / 752 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |