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United Community Bank

Chatham, IL · Cert 19459 · 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
Loan mix
83%RE $1.9B15%C&I $0.4B1%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $2.9B19%Noninterest $0.7BQ2 2025Q2 2026

NIM

4.55%Q2 ’244.79%Q2 ’254.67%Q2 ’26+1%+0%

Non-interest income vs. expense

2.00%Q2 ’241.95%Q2 ’251.91%Q2 ’26-1%+2%

Market Position · Springfield, IL · 2026 SOD (annual) · 16.3% share · #2 of 26 inst. · $1.6B of $9.8B

17.0% Sangamon
20.9% Adams
5.4% Madison
38.7% Hancock

Executive Summary

  • Earnings: ROA of 1.32%, up 7 bps year over year; NIM at 2.86%.
  • Asset quality: problem loans at 0.31% of loans (+16 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 10.17%, up 25 bps from a year ago.
  • Funding: loans stand at 74.45% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.32%+7 bps YoY

Net Interest Margin (YTD, annualized)

2.86%+1 bps YoY

Efficiency Ratio (YTD, annualized)

53.38%-33 bps YoY

Tier 1 Leverage Ratio

10.17%+25 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.25%1.27%1.27%1.22%1.32%+7 bps
Return on Equity13.34%13.31%13.27%12.37%13.12%-22 bps
Net Interest Margin2.85%2.82%2.80%2.77%2.86%+1 bps
Efficiency Ratio53.71%54.57%53.88%56.47%53.38%-33 bps
Non-Interest Burden1.18%1.21%1.17%1.27%1.20%+2 bps
Growth
Asset Growth (YoY)8.87%8.84%5.94%6.55%6.40%-247 bps
Loan Growth (YoY)12.54%10.92%7.06%5.17%8.22%-432 bps
Deposit Growth (YoY)7.52%7.39%4.28%6.46%9.63%+211 bps
Asset Quality
Nonperforming Loans / Loans0.15%0.21%0.18%0.23%0.31%+16 bps
Net Charge-Offs / Loans0.01%0.02%0.02%0.02%0.01%0 bps
Allowance / Loans1.32%1.29%1.31%1.30%1.26%-6 bps
Allowance Coverage of NPLs8.7x6.1x7.3x5.6x4.1x-4.6x
Capital
Tier 1 Leverage Ratio9.92%10.06%9.85%9.96%10.17%+25 bps
Total Risk-Based Capital14.50%14.74%14.59%15.04%14.87%+37 bps
Equity / Assets9.77%10.06%9.85%9.86%10.37%+60 bps
Liquidity & Funding
Loans / Deposits75.42%76.76%75.80%72.98%74.45%-97 bps
Liquid Assets / Assets16.41%15.60%17.25%19.38%16.41%0 bps
CRE / Total Capitaln/a318%322%311%n/an/a