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 | |