TellerScore

Headquartered in Chatham, Illinois, United Community Bank is a state-chartered bank with $4.1B in total assets and $3.6B in deposits as of Q2 2026. It operates 46 offices across 3 states. Its charter dates back to 1965.

Based on its Q2 2026 filing, United Community Bank scores 72/100, which we describe as strong. That is higher than 66% of 897 banks with $1 billion – $10 billion. Among 326 banks headquartered in Illinois, it ranks 141st. Its strongest component is problem-loan coverage (95/100; 2.3%), and its lowest is capital cushion (52/100; 10.17%).

TellerScore · Q2 2026

Scorecard

Capital cushion52/100
Tier 1 leverage ratio: 10.17%
Loan quality90/100
Noncurrent loans ÷ total loans: 0.31%
Earnings73/100
Return on assets (annualized): 1.32%
Funding & liquidity64/100
Loans ÷ deposits and uninsured-deposit share: 73.5% · 35.0% uninsured
Problem-loan coverage95/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.34%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (71 → 72).

TellerScore
687072Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202470
Q3 202468
Q4 202469
Q1 202568
Q2 202571
Q3 202571
Q4 202571
Q1 202671
Q2 202672
Tier 1 leverage ratio
5.00%7.59%10.17%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.57%
Q3 20249.59%
Q4 20249.52%
Q1 20259.50%
Q2 20259.92%
Q3 202510.06%
Q4 20259.85%
Q1 20269.96%
Q2 202610.17%
Noncurrent loans
0.15%0.23%0.31%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.19%
Q3 20240.23%
Q4 20240.15%
Q1 20250.23%
Q2 20250.15%
Q3 20250.21%
Q4 20250.18%
Q1 20260.23%
Q2 20260.31%
Return on assets
1.09%1.20%1.32%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.11%
Q3 20241.09%
Q4 20241.10%
Q1 20251.09%
Q2 20251.25%
Q3 20251.27%
Q4 20251.27%
Q1 20261.22%
Q2 20261.32%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202672$4.1B10.17%0.31%1.32%73.5%
Q1 202671$4.2B9.96%0.23%1.22%72.0%
Q4 202571$4.1B9.85%0.18%1.27%74.8%
Q3 202571$4.0B10.06%0.21%1.27%75.8%
Q2 202571$3.9B9.92%0.15%1.25%74.4%
Q1 202568$3.9B9.50%0.23%1.09%72.9%
Q4 202469$3.9B9.52%0.15%1.10%72.9%
Q3 202468$3.6B9.59%0.23%1.09%73.4%
Q2 202470$3.6B9.57%0.19%1.11%71.1%

897 peers · $1 billion – $10 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 ratio10.17%
42nd
Total risk-based capital14.87%
65th
Problem loans0.31%
66th
Net charge-offs0.01%
66th
Return on assets1.32%
56th
Net interest margin3.03%
16th
Efficiency ratio53.4%
66th
Loans to deposits73.5%
79th
Uninsured deposits35.0%
39th
Loan-loss reserves1.26%
65th
Texas ratio2.3%
65th

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
State Bank of IndiaBank Chicago, IL41 out of 100, Below average$4.3B0.0%0.00%vs
Carrollton BankBank Carrollton, IL58 out of 100, Moderate$3.9B8.0%0.36%vs
St. Charles Bank & Trust Company, National AssociationBank Saint Charles, IL66 out of 100, Moderate$3.7B9.6%0.70%vs
Parkway Bank and Trust CompanyBank Harwood Heights, IL66 out of 100, Moderate$3.7B11.5%1.05%vs
Village Bank and Trust, National AssociationBank Arlington Heights, IL70 out of 100, Strong$3.6B9.5%0.46%vs
Old Plank Trail Community Bank, National AssociationBank New Lenox, IL67 out of 100, Moderate$3.5B8.8%0.28%vs

Deposit insurance

Is my money safe at United Community Bank?

Yes. United Community Bank is an FDIC-insured institution (FDIC certificate #19459). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 35.0% of deposits ($1.3B) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.17%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.87% (benchmark: 10%).

Check how much of your own balance is covered

46 locations

Branches

United Community Bank lists 42 offices in 32 cities across 3 states. Most locations:

  • Springfield, IL (6)
  • Quincy, IL (3)
  • Auburn, IL (2)
  • Godfrey, IL (2)
  • Macomb, IL (2)
  • Alton, IL (1)
  • Augusta, IL (1)
  • Bethalto, IL (1)
  • Bunker Hill, IL (1)
  • Bushnell, IL (1)
  • Camp Point, IL (1)
  • Carlinville, IL (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, United Community Bank reported 1,851 home-loan applications under HMDA (LEI 5493000XYE7QL54NMB52): 1,433 originated ($298,305,000 total), 171 denied, and 235 withdrawn or closed by the applicant. Its denial rate on decided applications was 10.6%, 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
Chatham Community Bank
Type
State-chartered bank
FDIC certificate #
19459
RSSD ID
439338
Primary regulator
FDIC
Holding company
United Community Bcorp Inc
Established
July 12, 1965
Headquarters
301 N Main St, Chatham, IL 62629
Employees
570

Quick answers

United Community Bank: common questions

Is United Community Bank FDIC insured?

Yes. United Community Bank is an FDIC-insured institution (FDIC certificate #19459). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is United Community Bank's TellerScore?

72 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 #19459 in the FDIC failed bank list.

How many branches does United Community Bank have?

46 offices as of the latest FDIC data, in 3 states.

Nearby

Highest-scoring banks and credit unions with branches near Chatham

InstitutionScoreAssetsCapitalProblem loansCompare
Springfield Firefighters Credit UnionCredit union Springfield, IL100 out of 100, Very strong$3.4M16.6%0.00%vs
Heartland Credit UnionCredit union Springfield, IL89 out of 100, Very strong$573.7M13.7%0.25%vs
Midland Community BankBank Kincaid, IL88 out of 100, Very strong$68.8M12.1%0.00%vs
Springfield City Employees Credit UnionCredit union Springfield, IL85 out of 100, Very strong$12.8M17.1%0.33%vs
Prairie State Bank and TrustBank Springfield, IL80 out of 100, Strong$840.1M12.4%0.52%vs
Heartland Bank and Trust CompanyBank Bloomington, IL80 out of 100, Strong$6.7B11.9%0.19%vs