United Community Bank (FDIC certificate #13656) is based in Milford, Iowa. Its Q2 2026 call report shows $290.0M in total assets and $232.7M in deposits and 5 offices.
United Community Bank has a TellerScore of 51 out of 100 (below average) based on Q2 2026 data — higher than only 8% of its 2,650 banks with $100 million – $1 billion. Among 226 banks headquartered in Iowa, it ranks 212th. Problem-loan coverage contributes the most (79/100, 10.7%); capital cushion contributes the least (35/100, 8.45%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 5 points (46 → 51), mostly because the earnings component improved by 17 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 44 |
| Q3 2024 | 43 |
| Q4 2024 | 44 |
| Q1 2025 | 46 |
| Q2 2025 | 46 |
| Q3 2025 | 43 |
| Q4 2025 | 48 |
| Q1 2026 | 50 |
| Q2 2026 | 51 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.12% |
| Q3 2024 | 8.12% |
| Q4 2024 | 8.12% |
| Q1 2025 | 8.12% |
| Q2 2025 | 8.01% |
| Q3 2025 | 8.12% |
| Q4 2025 | 8.07% |
| Q1 2026 | 8.23% |
| Q2 2026 | 8.45% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.58% |
| Q3 2024 | 1.59% |
| Q4 2024 | 1.59% |
| Q1 2025 | 1.54% |
| Q2 2025 | 1.45% |
| Q3 2025 | 1.90% |
| Q4 2025 | 1.53% |
| Q1 2026 | 1.48% |
| Q2 2026 | 1.51% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.46% |
| Q3 2024 | 0.43% |
| Q4 2024 | 0.49% |
| Q1 2025 | 0.69% |
| Q2 2025 | 0.70% |
| Q3 2025 | 0.80% |
| Q4 2025 | 0.80% |
| Q1 2026 | 1.03% |
| Q2 2026 | 1.12% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 51 | $290.0M | 8.45% | 1.51% | 1.12% | 89.6% |
| Q1 2026 | 50 | $284.5M | 8.23% | 1.48% | 1.03% | 82.8% |
| Q4 2025 | 48 | $289.3M | 8.07% | 1.53% | 0.80% | 80.4% |
| Q3 2025 | 43 | $284.6M | 8.12% | 1.90% | 0.80% | 89.9% |
| Q2 2025 | 46 | $287.0M | 8.01% | 1.45% | 0.70% | 97.3% |
| Q1 2025 | 46 | $276.5M | 8.12% | 1.54% | 0.69% | 90.1% |
| Q4 2024 | 44 | $269.1M | 8.12% | 1.59% | 0.49% | 87.9% |
| Q3 2024 | 43 | $271.3M | 8.12% | 1.59% | 0.43% | 90.0% |
| Q2 2024 | 44 | $271.8M | 8.12% | 1.58% | 0.46% | 90.7% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Iowa
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| State Savings BankBank West Des Moines, IA | 58 out of 100, Moderate | $291.9M | 8.7% | 1.02% | vs |
| The Home Trust & Savings BankBank Osage, IA | 69 out of 100, Moderate | $287.7M | 10.8% | 0.80% | vs |
| First Whitney Bank and TrustBank Atlantic, IA | 84 out of 100, Strong | $287.5M | 11.5% | 0.00% | vs |
| Fairfax State Savings BankBank Fairfax, IA | 67 out of 100, Moderate | $287.0M | 9.5% | 0.25% | vs |
| Crawford County Trust and Savings BankBank Denison, IA | 80 out of 100, Strong | $294.5M | 9.9% | 0.03% | vs |
| Pioneer BankBank Sergeant Bluff, IA | 77 out of 100, Strong | $282.8M | 10.6% | 0.09% | vs |
Deposit insurance
Is my money safe at United Community Bank?
Yes. United Community Bank is an FDIC-insured institution (FDIC certificate #13656). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 37.4% of deposits ($87.1M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 8.45%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.66% (benchmark: 10%).
5 locations
Branches
United Community Bank lists 5 offices in 5 cities. Most locations:
- Hartley, IA (1)
- Lake Park, IA (1)
- Milford, IA (1)
- Ocheyedan, IA (1)
- Okoboji, IA (1)
Identity & history
Profile
- Legal name
- United Community Bank
- Former names
- Dickinson County Savings Bank
- Type
- State-chartered bank
- FDIC certificate #
- 13656
- RSSD ID
- 884648
- Primary regulator
- FDIC
- Holding company
- Milford Bcorp
- Established
- June 10, 1931
- Headquarters
- 1000 Okoboji Ave, Milford, IA 51351
- Website
- www.unitedcommunitybank.com
- Employees
- 33
Quick answers
United Community Bank: common questions
Is United Community Bank FDIC insured?
Yes. United Community Bank is an FDIC-insured institution (FDIC certificate #13656). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is United Community Bank's TellerScore?
51 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has United Community Bank ever failed?
There is no failure record for FDIC certificate #13656 in the FDIC failed bank list.
How many branches does United Community Bank have?
5 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Milford
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Citizens Community Credit UnionCredit union Fort Dodge, IA | 88 out of 100, Very strong | $253.6M | 19.1% | 0.73% | vs |
| The State BankBank Spirit Lake, IA | 83 out of 100, Strong | $88.4M | 11.7% | 0.00% | vs |
| West Iowa BankBank West Bend, IA | 82 out of 100, Strong | $222.1M | 11.9% | 0.01% | vs |
| First State BankBank Webster City, IA | 81 out of 100, Strong | $674.3M | 12.4% | 0.12% | vs |
| Savings BankBank Primghar, IA | 80 out of 100, Strong | $304.8M | 13.6% | 0.32% | vs |
| Worthington Federal Savings Bank, FSBBank Worthington, MN | 80 out of 100, Strong | $135.4M | 14.8% | 0.65% | vs |