Kincaid, IL · Cert 19796 · United Community Bcorp Inc.
State charter, non-member · FDIC · 1 affiliate bank · 2 branches (48 in holding)
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.56% | 0.40% | 0.87% | 0.93% | 1.26% | 0.17% | 1.71% | 1.62% | +69 bps | |
| Return on Equity | 4.36% | 2.99% | 6.66% | 6.92% | 8.99% | 1.10% | 10.14% | 9.36% | +244 bps | |
| Net Interest Margin | 3.37% | 3.19% | 3.28% | 3.36% | 3.59% | -7.46% | 4.42% | 4.57% | +120 bps | |
| Efficiency Ratio | 81.34% | 81.55% | 69.93% | 69.66% | 61.22% | 63.39% | 56.26% | 48.02% | -2,164 bps | |
| Non-Interest Burden | 2.61% | 2.46% | 2.09% | 2.09% | 1.86% | -4.26% | 2.13% | 1.80% | -29 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.89% | -7.60% | -4.44% | -3.82% | -4.12% | 5.92% | 3.09% | 3.48% | +730 bps | |
| Loan Growth (YoY) | -1.12% | -6.80% | -11.29% | -9.05% | -10.61% | -13.68% | -8.94% | -11.65% | -261 bps | |
| Deposit Growth (YoY) | -7.65% | -9.51% | -4.51% | -5.24% | -4.88% | 1.98% | -1.52% | -1.19% | +405 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.70% | 0.49% | 0.18% | 0.31% | 0.31% | 0.72% | 0.00% | 0.00% | -31 bps | |
| Net Charge-Offs / Loans | 0.33% | 0.44% | -0.15% | 0.00% | 0.00% | 0.17% | 0.96% | 0.01% | +1 bps | |
| Allowance / Loans | 0.59% | 0.54% | 0.61% | 0.60% | 0.61% | 0.67% | 0.42% | 0.44% | -17 bps | |
| Allowance Coverage of NPLs | 0.9x | 1.1x | 3.4x | 1.9x | 1.9x | 0.9x | 161.0x | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 15.24% | 15.09% | 15.42% | 15.60% | 15.91% | 11.05% | 11.51% | 12.11% | -349 bps | |
| Total Risk-Based Capital | 20.32% | 21.33% | 22.65% | 22.35% | 22.64% | 16.44% | 17.20% | 18.24% | -411 bps | |
| Equity / Assets | 13.47% | 12.92% | 13.35% | 13.51% | 14.63% | 16.60% | 17.12% | 17.48% | +397 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.93% | 76.48% | 72.03% | 72.86% | 75.12% | 64.73% | 66.60% | 65.14% | -772 bps | |
| Liquid Assets / Assets | 0.00% | 0.01% | 4.72% | 4.92% | 4.17% | 10.98% | 10.24% | 11.95% | +703 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 42.66% | 54.75% | 61.07% | n/a | n/a | |