TellerScore

Headquartered in Raceland, Louisiana, United Community Bank is a state-chartered bank with $665.5M in total assets and $560.0M in deposits as of Q2 2026. It operates 11 offices. Its charter dates back to 1964.

Based on its Q2 2026 filing, United Community Bank scores 83/100, which we describe as strong. That is higher than 84% of 2,650 banks with $100 million – $1 billion. Among 104 banks headquartered in Louisiana, it ranks 7th. Its strongest component is capital cushion (95/100; 14.47%), and its lowest is funding & liquidity (59/100; 89% loans-to-deposits, 25% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion95/100
Tier 1 leverage ratio: 14.47%
Loan quality76/100
Noncurrent loans ÷ total loans: 0.73%
Earnings88/100
Return on assets (annualized): 1.70%
Funding & liquidity59/100
Loans ÷ deposits and uninsured-deposit share: 89.4% · 25.3% uninsured
Problem-loan coverage88/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 6.16%

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 fell 2 points (85 → 83), mostly because the capital cushion component weakened by 5 points.

TellerScore
818588Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202488
Q3 202487
Q4 202487
Q1 202581
Q2 202585
Q3 202586
Q4 202586
Q1 202684
Q2 202683
Tier 1 leverage ratio
5.00%10.45%15.91%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202415.20%
Q3 202415.66%
Q4 202415.27%
Q1 202515.91%
Q2 202515.70%
Q3 202515.64%
Q4 202514.55%
Q1 202614.11%
Q2 202614.47%
Noncurrent loans
0.40%0.76%1.13%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.55%
Q3 20240.59%
Q4 20240.60%
Q1 20251.13%
Q2 20250.58%
Q3 20250.53%
Q4 20250.57%
Q1 20260.40%
Q2 20260.73%
Return on assets
1.63%1.93%2.23%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.23%
Q3 20241.99%
Q4 20242.22%
Q1 20251.91%
Q2 20251.69%
Q3 20251.73%
Q4 20251.87%
Q1 20261.63%
Q2 20261.70%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202683$665.5M14.47%0.73%1.70%89.4%
Q1 202684$681.3M14.11%0.40%1.63%85.6%
Q4 202586$681.2M14.55%0.57%1.87%88.4%
Q3 202586$663.9M15.64%0.53%1.73%92.6%
Q2 202585$649.1M15.70%0.58%1.69%93.9%
Q1 202581$632.8M15.91%1.13%1.91%95.6%
Q4 202487$621.5M15.27%0.60%2.22%93.0%
Q3 202487$619.0M15.66%0.59%1.99%93.2%
Q2 202488$618.6M15.20%0.55%2.23%91.1%

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).

Capital ratio14.47%
84th
Total risk-based capital0.00%
24th
Problem loans0.73%
36th
Net charge-offs0.17%
14th
Return on assets1.70%
76th
Net interest margin5.25%
95th
Efficiency ratio69.7%
31st
Loans to deposits89.4%
27th
Uninsured deposits25.3%
45th
Loan-loss reserves3.09%
99th
Texas ratio6.2%
30th

Similar-size banks in Louisiana

InstitutionScoreAssetsCapitalProblem loansCompare
Metairie Bank & Trust CompanyBank Metairie, LA75 out of 100, Strong$666.0M11.5%0.46%vs
Concordia Bank & Trust CompanyBank Vidalia, LA52 out of 100, Below average$667.0M11.1%2.54%vs
South Louisiana BankBank Houma, LA91 out of 100, Very strong$659.8M15.3%0.45%vs
Homeland Federal Savings BankBank Columbia, LA59 out of 100, Moderate$657.8M9.2%0.99%vs
The First National Bank of JeaneretteBank Jeanerette, LA73 out of 100, Strong$646.5M10.0%0.23%vs
Home Federal BankBank Shreveport, LA65 out of 100, Moderate$644.0M9.3%0.63%vs

Deposit insurance

Is my money safe at United Community Bank?

Yes. United Community Bank is an FDIC-insured institution (FDIC certificate #19143). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 25.3% of deposits ($141.7M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 14.47%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

11 locations

Branches

United Community Bank lists 11 offices in 9 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, United Community Bank reported 69 home-loan applications under HMDA (LEI 549300O2UK5FUZXQJO34): 64 originated ($13,230,000 total), 3 denied, and 2 withdrawn or closed by the applicant. Its denial rate on decided applications was 4.5%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
United Community Bank
Former names
Community Bank of Raceland; Community Bank of Lafourche; Community Bank
Type
State-chartered bank
FDIC certificate #
19143
RSSD ID
90337
Primary regulator
FDIC
Holding company
Community Bcorp of LA Inc
Established
June 20, 1964
Headquarters
4626 Highway 1, Raceland, LA 70394
Employees
131

Quick answers

United Community Bank: common questions

Is United Community Bank FDIC insured?

Yes. United Community Bank is an FDIC-insured institution (FDIC certificate #19143). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is United Community Bank's TellerScore?

83 out of 100 (Strong), 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 #19143 in the FDIC failed bank list.

How many branches does United Community Bank have?

11 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Raceland

InstitutionScoreAssetsCapitalProblem loansCompare
South Louisiana BankBank Houma, LA91 out of 100, Very strong$659.8M15.3%0.45%vs
First National Bank USABank Boutte, LA89 out of 100, Very strong$249.1M14.1%0.03%vs
Barton Plant Employees Federal Credit UnionCredit union Luling, LA87 out of 100, Very strong$15.7M33.0%0.14%vs
Riverland Federal Credit UnionCredit union New Orleans, LA78 out of 100, Strong$319.7M15.8%0.55%vs
Post Office Employees' Credit UnionCredit union Metairie, LA78 out of 100, Strong$54.7M12.4%0.18%vs
Jefferson Parish Employees Federal Credit UnionCredit union Harahan, LA76 out of 100, Strong$166.1M13.4%0.44%vs