United Community Bank
Chatham, IL · Cert 19459 · Peer group: banks $1B-$10B in assets operating regionally (n=174) · United Community Bcorp Inc.
State charter, non-member · FDIC · 1 affiliate bank · 46 branches (48 in holding)
Q2 2026
$4.1BAssets
$2.7BLoans
$3.6BDeposits
$428.4MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 72% of banks $1B-$10B in assets operating regionally (rank 50 of 174).
- Widest gap: net interest margin trails 90% of banks $1B-$10B in assets operating regionally (rank 156 of 174).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.31%
Rank 79 of 174
Net Interest Margin
2.86%
Rank 156 of 174
Efficiency Ratio
53.72%
Rank 57 of 174
Equity / Assets
10.37%
Rank 84 of 174
Non-interest income vs. expense
Unfavorable gap of $50.2M · efficiency ratio beats 68% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.31% | 0.93% | 1.27% | 1.52% | Beats 55% | 79 / 174 | |
| Return on Equity | 12.67% | 9.26% | 11.89% | 14.41% | Beats 56% | 76 / 174 | |
| Net Interest Margin | 2.86% | 3.22% | 3.56% | 3.91% | Beats 10% | 156 / 174 | |
| Efficiency Ratio | 53.72% | 51.59% | 59.21% | 67.02% | Beats 68% | 57 / 174 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.31% | 0.29% | 0.60% | 1.18% | Beats 72% | 50 / 174 | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.03% | 0.10% | Beats 69% | 55 / 174 | |
| Capital |
| Tier 1 Capital Ratio | 13.70% | 11.19% | 12.82% | 14.11% | Beats 68% | 55 / 174 | |
| Total Risk-Based Capital Ratio | 14.87% | 11.81% | 13.70% | 15.33% | Beats 70% | 53 / 174 | |
| Equity / Assets | 10.37% | 9.15% | 10.31% | 11.72% | Beats 52% | 84 / 174 | |
| Liquidity & Funding |
| Loans / Deposits | 74.45% | 80.93% | 90.31% | 97.12% | 12th pctl | 153 / 174 | |
| Loans / Assets | 64.70% | 69.01% | 75.52% | 80.85% | 14th pctl | 150 / 174 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |