United Community Bank
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
$4.1BAssets
$2.7BLoans
$3.6BDeposits
$428.4MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 74% of banks $1B-$10B in assets operating regionally (rank 47 of 176).
- Widest gap: net interest margin trails 91% of banks $1B-$10B in assets operating regionally (rank 160 of 176).
- Overall: at or above the peer median on 8 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $50.2M · efficiency ratio beats 71% 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% | 1.26% | 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 |