United Community Bank
Chatham, IL · Cert 19459 · Peer group: banks $1B-$10B in assets operating regionally (n=178) · 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 178).
- Widest gap: net interest margin trails 89% of banks $1B-$10B in assets operating regionally (rank 159 of 178).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.31%
Rank 80 of 178
Net Interest Margin
2.86%
Rank 159 of 178
Efficiency Ratio
53.72%
Rank 56 of 178
Equity / Assets
10.37%
Rank 87 of 178
Non-interest income vs. expense
Unfavorable gap of $50.2M · efficiency ratio beats 69% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.31% | 0.91% | 1.25% | 1.53% | Beats 55% | 80 / 178 | | |
| Return on Equity | 12.67% | 9.18% | 11.89% | 14.44% | Beats 57% | 77 / 178 | | |
| Net Interest Margin | 2.86% | 3.22% | 3.56% | 3.91% | Beats 11% | 159 / 178 | | |
| Efficiency Ratio | 53.72% | 52.04% | 58.90% | 67.10% | Beats 69% | 56 / 178 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.31% | 0.29% | 0.60% | 1.26% | Beats 72% | 50 / 178 | | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.03% | 0.10% | Beats 69% | 56 / 178 | | |
| Capital |
| Tier 1 Capital Ratio | 13.70% | 11.19% | 12.72% | 14.14% | Beats 68% | 57 / 178 | | |
| Total Risk-Based Capital Ratio | 14.87% | 11.91% | 13.63% | 15.33% | Beats 69% | 55 / 178 | | |
| Equity / Assets | 10.37% | 9.12% | 10.35% | 11.80% | Beats 51% | 87 / 178 | | |
| Liquidity & Funding |
| Loans / Deposits | 74.45% | 80.94% | 89.92% | 97.12% | 11th pctl | 158 / 178 | | |
| Loans / Assets | 64.70% | 69.25% | 75.52% | 80.96% | 13th pctl | 155 / 178 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |