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United Community Bank
Chatham, IL·FDIC Cert #19459·Charter: STATE·Est. 19650712.0·HC: UNITED COMMUNITY BCORP INC
Total Assets
$4.1B
Q4 2025
Return on Assets
1.27%
+0.01%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
53.88%
Peer avg: 57.6%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
63
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.27%+0.01
ROE
13.27%-0.04
Efficiency
53.88%-0.69
Equity/Assets
0.00%+0.00
NPL Ratio
0.18%-0.03
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
74.81%-0.96
Charge-offs
0.02%+0.00
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.2 | 1.3 | 1.3 |
| ROE | 12.7 | 12.2 | 11.8 | 12.0 | 11.9 | 13.3 | 13.3 | 13.3 |
| Efficiency | 55.8 | 55.0 | 56.1 | 55.7 | 56.5 | 53.7 | 54.6 | 53.9 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 |
| Charge-offs | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Loan/Deposit | 69.0 | 71.1 | 73.4 | 72.9 | 72.9 | 74.4 | 75.8 | 74.8 |
Balance Sheet
Total Assets$4.1B
Total Deposits$3.4B
Total Loans$2.6B
Total Equity$402.8M
Profitability
ROA1.27%
ROE13.27%
Efficiency Ratio53.88%
Net Income$50.2M
Risk & Asset Quality
NPL Ratio0.18%
Charge-off Rate0.02%
Loan/Deposit74.81%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans