United Community Bank (Chatham, IL)
United Community Bank (Chatham, IL) reported total assets of $4.1 bn at Q2 2026, up 6.4% on a year earlier, the 323rd largest of 497 banks in our US coverage. The CET1 capital ratio at United Community Bank (Chatham, IL) was 13.70%, and the uninsured share of United Community Bank (Chatham, IL) was 35.03%. Source: FDIC Call Reports.
Key takeaways
- On noncurrent loans to total loans, United Community Bank (Chatham, IL) slipped from 60th to 115th among 500 US banks between and (1 = lowest; FDIC Call Reports).
- Since , United Community Bank (Chatham, IL) has taken over 6 institutions; the latest was Mercantile Bank on (FDIC Call Reports).
What sets United Community Bank (Chatham, IL) apart
How large is United Community Bank (Chatham, IL)?
The balance sheet of United Community Bank (Chatham, IL) at : assets $4.1 bn, deposits $3.6 bn, net loans $2.6 bn (loans equal to 73.51% of deposits). Securities make up 21.5% of total assets at United Community Bank (Chatham, IL). Since , when United Community Bank (Chatham, IL) held $1.0 bn, its assets grew 306.3%. In the year to , deposits at United Community Bank (Chatham, IL) rose 9.6% while its total assets rose 6.4%. At , United Community Bank (Chatham, IL) employed 570 full-time equivalent staff across 46 offices, about $7.2 mn of assets per employee and $78.0 mn of deposits per office.
How much funding at United Community Bank (Chatham, IL) is uninsured?
At United Community Bank (Chatham, IL), uninsured deposits (above the FDIC limit) made up 35.03% of domestic deposits at (-2.66 pp on a year earlier); United Community Bank (Chatham, IL) ranks 251st of 500 on this measure. In dollars, United Community Bank (Chatham, IL) estimated $1.3 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $3.6 bn | +9.6% | 309th of 499 |
| Net loans and leases | $2.6 bn | +8.3% | 350th of 500 |
| Loan-to-deposit ratio | 73.51% | -0.91 pp | 396th of 500 |
| Tier 1 leverage ratio | 10.17% | +0.25 pp | 272nd of 500 |
| Total risk-based capital ratio | 14.87% | +0.37 pp | 179th of 448 |
| Net interest margin | 3.03% | +0.06 pp | 400th of 500 |
| Return on assets (ROA) | 1.32% | +0.07 pp | 243rd of 500 |
| Efficiency ratio | 53.38% | -0.33 pp | 197th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $23.2 mn | Narrowed by $6.8 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $19.2 mn | Narrowed by $8.9 mn | |
| Noncurrent loans to total loans | 0.31% | +0.16 pp | 115th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.01% | +0.00 pp | 100th of 500 (1 = lowest) |
US rank of United Community Bank (Chatham, IL): 1 = highest unless marked 1 = lowest.
Balance sheet
United Community Bank (Chatham, IL): assets, deposits and loans
- Total assets $4.1bn
- Deposits $3.6bn
- Net loans $2.6bn
Capital and securities
The CET1 ratio of United Community Bank (Chatham, IL) stood at 13.70% in , +0.45 pp year on year. Low and high at United Community Bank (Chatham, IL) since : 11.01% () to 14.56% (). Equity capital of United Community Bank (Chatham, IL) at : $428.4 mn, or 10.4% of total assets. United Community Bank (Chatham, IL) also reported a total capital ratio of 14.87% for , and a tier 1 leverage ratio of 10.17%.
On held-to-maturity securities, United Community Bank (Chatham, IL) carried an unrealized loss of $23.2 mn at , equal to 5.4% of equity capital. The loss narrowed by $6.8 mn over the year. Its deepest point: $52.9 mn in . The available-for-sale portfolio of United Community Bank (Chatham, IL) showed an unrealized loss of $19.2 mn at ; the loss narrowed by $8.9 mn over the year.
United Community Bank (Chatham, IL): capital ratios
- Total capital 15%
- CET1 14%
- Tier 1 leverage 10%
United Community Bank (Chatham, IL): unrealized securities gains and losses
- Available for sale -$19mn
- Held to maturity -$23mn
Profitability and loan quality
For the year to , United Community Bank (Chatham, IL) earned a return on equity of 13.12%; return on assets: 1.32%. Net interest margin at United Community Bank (Chatham, IL): 3.03%, +0.06 pp in a year. United Community Bank (Chatham, IL) net income: $27.1 mn, up 12.0% year on year. The efficiency ratio of United Community Bank (Chatham, IL) was 53.38%: about 53 cents cost per revenue dollar, against 65 cents at the median peer.
At , noncurrent loans were 0.31% of total loans at United Community Bank (Chatham, IL); net charge-offs: 0.01% of average loans. Gross loans and leases at United Community Bank (Chatham, IL): $2.7 bn, up 8.2% in a year.
United Community Bank (Chatham, IL): profitability
- Return on equity 13%
- Net interest margin 3.0%
- Return on assets 1.3%
Peer group of United Community Bank (Chatham, IL)
The peer group of United Community Bank (Chatham, IL) is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 3 share the charter type of United Community Bank (Chatham, IL) (state nonmember bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Illinois. Against them, United Community Bank (Chatham, IL) shows CET1 ratio 13.70% against a peer median of 16.18%, return on equity 13.12% against a peer median of 8.78% and uninsured deposit share 35.03% against a peer median of 43.40%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Inwood National Bank | National bank | TX | $4.3 bn | 16.18% | 14.11% | 47.46% | |
| The Bank of Missouri | State nonmember bank | MO | $4.2 bn | 10.83% | 8.10% | 25.30% | |
| Bessemer Trust Company | National bank | NY | $4.2 bn | 23.20% | 38.18% | 82.33% | |
| United Community Bank | State nonmember bank | IL | $4.1 bn | 13.70% | 13.12% | 35.03% | |
| Woori America Bank | State nonmember bank | NY | $4.1 bn | 18.34% | 5.52% | 68.67% | |
| First Bank | State nonmember bank | NJ | $4.1 bn | 10.89% | 8.25% | 39.35% | |
| Gate City Bank | Federal savings bank | ND | $4.0 bn | not reported | 9.30% | 10.91% | |
. FDIC Call Reports.
Last eight quarters
Two years at United Community Bank (Chatham, IL), to : assets +13.3%, deposits +15.7%, equity +22.8%. Staff 559 to 570.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $3.6 bn | $3.9 bn | $3.9 bn | $3.9 bn | $4.0 bn | $4.1 bn | $4.2 bn | $4.1 bn |
| Total deposits | $3.1 bn | $3.3 bn | $3.3 bn | $3.3 bn | $3.3 bn | $3.4 bn | $3.5 bn | $3.6 bn |
| Bank equity capital | $348.8 mn | $349.4 mn | $361.6 mn | $379.2 mn | $399.0 mn | $402.8 mn | $410.5 mn | $428.4 mn |
| CET1 ratio | 12.94% | 12.83% | 12.87% | 13.25% | 13.52% | 13.36% | 13.83% | 13.70% |
| Return on equity (ROE) | 11.80% | 12.03% | 11.91% | 13.34% | 13.31% | 13.27% | 12.37% | 13.12% |
| Uninsured share of domestic deposits | 37.28% | 38.48% | 38.00% | 37.69% | 39.05% | 39.02% | 37.56% | 35.03% |
| Full-time equivalent employees | 559 | 547 | 551 | 553 | 561 | 571 | 562 | 570 |
| Number of offices | 46 | 46 | 46 | 46 | 46 | 46 | 46 | 46 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of United Community Bank (Chatham, IL), oldest first; figures before and after each event are not like for like.
- . Absorbed Brown County State Bank (FDIC certificate 11721).
- . Absorbed Marine Bank and Trust (FDIC certificate 11685).
- . Absorbed Farmers State Bank of Camp Point (FDIC certificate 12091).
- . Absorbed Illini Bank (FDIC certificate 19980).
- . Absorbed Liberty Bank (FDIC certificate 33873).
- . Absorbed Mercantile Bank (FDIC certificate 11301).
Large one-quarter moves at United Community Bank (Chatham, IL)
- Total assets at United Community Bank (Chatham, IL) changed by +33.7% in the quarter to 2016-12-31: Merger -Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from Brown County State Bank, Marine Bank and Trust.
- Total assets at United Community Bank (Chatham, IL) changed by +26.5% in the quarter to 2019-06-30: Merger -Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from Mercantile Bank.
Questions and identifiers
What were the total assets of United Community Bank (Chatham, IL)?
United Community Bank (Chatham, IL) reported $4.1 bn at in its Call Report. That makes United Community Bank (Chatham, IL) the 323rd largest of 497 banks in our US coverage.
Is United Community Bank (Chatham, IL) the same as its holding company?
No. This page covers United Community Bank (Chatham, IL), FDIC certificate 19459; UNITED COMMUNITY BCORP INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is United Community Bank (Chatham, IL) profitable?
United Community Bank (Chatham, IL) reported net income of $27.1 mn for the year to ; annualized return on equity: 13.12%. So yes: United Community Bank (Chatham, IL) made a profit over these months.
When is data for United Community Bank (Chatham, IL) next updated?
Figures from United Community Bank (Chatham, IL) for are due after .
Where can I check the figures for United Community Bank (Chatham, IL)?
In the FDIC BankFind Suite record for certificate 19459, and in the Call Reports of United Community Bank (Chatham, IL) (RSSD ID 439338) at the FFIEC Central Data Repository.