United Community Bank
Raceland, LA · Cert 19143 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · 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 94% of banks under $1B in assets operating in a single state (rank 45 of 746).
- Widest gap: net charge-offs / loans trails 84% of banks under $1B in assets operating in a single state (rank 626 of 743).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.36%
Rank 229 of 746
Net Interest Margin
4.80%
Rank 45 of 746
Efficiency Ratio
69.67%
Rank 460 of 746
Equity / Assets
14.30%
Rank 124 of 746
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 | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.36% | 0.72% | 1.06% | 1.45% | Beats 69% | 229 / 746 | | |
| Return on Equity | 9.49% | 6.74% | 10.51% | 13.63% | Beats 43% | 426 / 746 | | |
| Net Interest Margin | 4.80% | 3.17% | 3.68% | 4.16% | Beats 94% | 45 / 746 | | |
| Efficiency Ratio | 69.67% | 55.74% | 64.58% | 75.47% | Beats 38% | 460 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.73% | 0.09% | 0.42% | 1.07% | Beats 36% | 478 / 743 | | |
| Net Charge-Offs / Loans | 0.09% | 0.00% | 0.01% | 0.05% | Beats 16% | 626 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 14.47% | 11.55% | 13.75% | 17.60% | Beats 56% | 326 / 746 | | |
| Total Risk-Based Capital Ratio | 14.47% | 11.71% | 14.33% | 18.43% | Beats 50% | 370 / 746 | | |
| Equity / Assets | 14.30% | 8.90% | 10.51% | 13.06% | Beats 83% | 124 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 92.22% | 61.31% | 78.27% | 90.78% | 78th pctl | 164 / 746 | | |
| Loans / Assets | 77.59% | 53.60% | 66.97% | 76.08% | 79th pctl | 156 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |