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United Community Bank
Chatham, IL · FDIC Certificate #19459 · Chartered 07/1
Total assets
$4.13B
Total deposits
$3.59B
Total equity
$428.36M
Net loans
$2.64B
Branches (offices)
46
Net income (YTD)
$27.14M
Rank: #327 of 4,213 U.S. banks by assets · #19 of 322 in Illinois. Assets changed 6.4% and deposits 9.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.32% |
| Return on equity | 13.12% |
| Net interest margin (YTD) | 3.03% |
| Equity to assets | 10.37% |
| Tier 1 leverage ratio | 10.17% |
| Uninsured deposits (share of deposits) | 35.0% |
| Noncurrent loans (share of loans) | 0.31% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 73.5% |
| Real estate loans (share of loans) | 75.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.98B | 75.1% | |
| Commercial & industrial | $394.24M | 14.9% | |
| Consumer / individual | $29.43M | 1.1% | |
| Construction & development | $405.89M | 15.4% | |
| Agricultural | $114.03M | 4.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $3.46B | $3.07B | $15.35M | $272.78M |
| Jun 2023 | $3.34B | $2.90B | $23.67M | $295.59M |
| Jun 2024 | $3.56B | $3.04B | $19.47M | $326.11M |
| Jun 2025 | $3.88B | $3.27B | $24.23M | $379.24M |
| Jun 2026 | $4.13B | $3.59B | $27.14M | $428.36M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $3.47B | 44 |
| Florida | $86.69M | 1 |
| Missouri | $32.56M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $3.59B.
Similar-sized banks
Bessemer Trust Company, National Association ($4.16B) · Woori America Bank ($4.12B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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