Chatham, IL · Cert 19459 · United Community Bcorp Inc.
State charter, non-member · FDIC · 46 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets operating regionally (n=176). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
63
Asset Quality
73
Profitability
40
Liquidity
11
Efficiency
71
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Chatham, IL · Cert 19459 · United Community Bcorp Inc.
State charter, non-member · FDIC · 1 affiliate bank · 46 branches (48 in holding)
Q2 2026
Market Position · Springfield, IL · 2026 SOD (annual) · 16.3% share · #2 of 26 inst. · $1.6B of $9.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.09% | 1.10% | 1.09% | 1.25% | 1.27% | 1.27% | 1.22% | 1.32% | +7 bps | |
| Return on Equity | 11.80% | 12.03% | 11.91% | 13.34% | 13.31% | 13.27% | 12.37% | 13.12% | -22 bps | |
| Net Interest Margin | 2.78% | 2.70% | 2.73% | 2.85% | 2.82% | 2.80% | 2.77% | 2.86% | +1 bps | |
| Efficiency Ratio | 56.07% | 55.68% | 56.46% | 53.71% | 54.57% | 53.88% | 56.47% | 53.38% | -33 bps | |
| Non-Interest Burden | 1.22% | 1.17% | 1.24% | 1.18% | 1.21% | 1.17% | 1.27% | 1.20% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.22% | 10.49% | 12.20% | 8.87% | 8.84% | 5.94% | 6.55% | 6.40% | -247 bps | |
| Loan Growth (YoY) | 15.14% | 16.85% | 17.10% | 12.54% | 10.92% | 7.06% | 5.17% | 8.22% | -432 bps | |
| Deposit Growth (YoY) | 5.95% | 9.37% | 10.75% | 7.52% | 7.39% | 4.28% | 6.46% | 9.63% | +211 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.23% | 0.15% | 0.23% | 0.15% | 0.21% | 0.18% | 0.23% | 0.31% | +16 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.02% | 0.01% | 0.02% | 0.02% | 0.02% | 0.01% | 0 bps | |
| Allowance / Loans | 1.30% | 1.30% | 1.28% | 1.32% | 1.29% | 1.31% | 1.30% | 1.26% | -6 bps | |
| Allowance Coverage of NPLs | 5.7x | 8.8x | 5.5x | 8.7x | 6.1x | 7.3x | 5.6x | 4.1x | -4.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.59% | 9.52% | 9.50% | 9.92% | 10.06% | 9.85% | 9.96% | 10.17% | +25 bps | |
| Total Risk-Based Capital | 14.19% | 14.08% | 14.12% | 14.50% | 14.74% | 14.59% | 15.04% | 14.87% | +37 bps | |
| Equity / Assets | 9.57% | 9.05% | 9.25% | 9.77% | 10.06% | 9.85% | 9.86% | 10.37% | +60 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.32% | 73.84% | 73.88% | 75.42% | 76.76% | 75.80% | 72.98% | 74.45% | -97 bps | |
| Liquid Assets / Assets | 13.41% | 16.27% | 17.09% | 16.41% | 15.60% | 17.25% | 19.38% | 16.41% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 318% | 322% | 311% | n/a | n/a | |
Chatham, IL · Cert 19459 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · United Community Bcorp Inc.
State charter, non-member · FDIC · 1 affiliate bank · 46 branches (48 in holding)
Q2 2026
Return on Assets
1.31%
Rank 79 of 176
Net Interest Margin
2.86%
Rank 160 of 176
Efficiency Ratio
53.72%
Rank 52 of 176
Equity / Assets
10.37%
Rank 87 of 176
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.31% | 0.93% | 1.26% | 1.54% | Beats 55% | 79 / 176 | ||
| Return on Equity | 12.67% | 9.26% | 11.89% | 14.46% | Beats 57% | 76 / 176 | ||
| Net Interest Margin | 2.86% | 3.25% | 3.59% | 3.93% | Beats 9% | 160 / 176 | ||
| Efficiency Ratio | 53.72% | 52.79% | 59.55% | 67.66% | Beats 71% | 52 / 176 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.31% | 0.30% | 0.64% | 1.32% | Beats 74% | 47 / 176 | ||
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.04% | 0.10% | Beats 72% | 51 / 176 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.70% | 11.15% | 12.72% | 14.15% | Beats 69% | 55 / 176 | ||
| Total Risk-Based Capital Ratio | 14.87% | 11.81% | 13.63% | 15.33% | Beats 70% | 52 / 176 | ||
| Equity / Assets | 10.37% | 9.16% | 10.35% | 11.80% | Beats 51% | 87 / 176 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 74.45% | 80.94% | 89.73% | 97.21% | 12th pctl | 155 / 176 | ||
| Loans / Assets | 64.70% | 69.25% | 75.12% | 80.82% | 13th pctl | 153 / 176 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||