# UNITED COMMUNITY BANK
OAKWOOD, IL · FDIC certificate 11724 · asset band <$300M · latest filing 2015-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $47.2M | |
| Deposits | $42.9M | |
| Loans and leases | $24.6M | |
| Total equity | $4.1M | |
| Loans / deposits | 56.68% (p28 of band) | 70.43% |
| Liquid assets / assets | 46.48% (p71 of band) | |
| Uninsured deposits / deposits | 5.63% (p14 of band) | 13.33% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p19 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.72% (p17 of band) | 10.49% |
| Unrealized securities loss / equity | -0.47% (p7 of band) | 1.32% |
| AOCI / equity | 0.00% (p15 of band) | |
| ROA (annualized) | 0.50% (p29 of band) | 0.80% |
| Net interest margin | 2.96% (p18 of band) | 3.57% |
| Efficiency ratio | 84.51% (p75 of band) | |
| Noncurrent loans | 3.72% (p91 of band) | 0.77% |
| Net charge-offs (annualized) | 0.00% (p45 of band) | |
| Reserve coverage of noncurrent | 28.99% | |
| Real estate % of loans | 76% | |
| Construction % of loans | 4.99% (p30 of band) | |
| Auto loans | $418,000 (1.70% of loans; DQ 0.48%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 1.0% | |
| Employees | 14 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | reserve under noncurrent |  |
| 2012-06 | 2 | capital falling |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 | uninsured deposits leaving | capital falling |
| 2013-03 | 2 |  |  |
| 2013-06 | 4 | deposits shrinking, assets shrinking |  |
| 2013-09 | 4 | capital falling | assets shrinking |
| 2013-12 | 1 |  | uninsured deposits leaving, deposits shrinking, capital falling |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 | capital falling | reserve under noncurrent |
| 2014-09 | 1 | reserve under noncurrent | capital falling |
| 2014-12 | 1 |  |  |
| 2015-03 | 3 | noncurrent p90, uninsured deposits leaving |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-05 [Week Three Scores & Recaps (United Community Bank Scoreboard) - blitzsportsga.com](https://news.google.com/rss/articles/CBMiaEFVX3lxTE5jNDYwYXJWcTVmUThHM25TUERxQXo5bURXX1g2VzFPR18xZHhjb01rT041ZzV2OGVWV0l6Z09CQ3FyeGpfZ3EtM0k5dC1EYWM1cFlwVTZSNHNDaFJQUEw3WHVoTVlWMGZp?oc=5) · blitzsportsga.com
- 2026-03-21 [UCB announces new president and CFO and new member to the board of directors - Muddy River News](https://news.google.com/rss/articles/CBMi1wFBVV95cUxOTDJkdkJtTkhxMDJSUTlRSXRYRndoSURYTHpCZTgzNHFheVpwTzdKOWRzWGRnX2ZpTFpBVV9vOVgzalpSOUJyWDZJR2Z3TzFFdkFLcFlKWHZ5Z2NtYl9qVkZwN0thSWZDWmJqRFVoZ0paVlZuVVF6aldERWxpT1pjMXVoaW12MkdwOGkzTlo5R0RSRmpNTEFBQjl6cnhQbV9FSERJRFYwaVVSakdQTVN6MGVXUDA2Nzk5NmJybVpXbFpWaUxaTWIxYi03aTUyNzFJb21XQ0dncw?oc=5) · Muddy River News
- 2026-04-21 [United Community Banks: Q1 Earnings And New Acquisition Are Not Quite Enough (NYSE:UCB) - Seeking Alpha](https://news.google.com/rss/articles/CBMitwFBVV95cUxQUHI3dkc3RzFoUy1pRGdHT0pIQU1KVGhKQ1BGcFVrekZDQW15WGdoTVlRV2xJcmJhM0lTNHhhYzVQZkZWV2ViS2ZLU0J1SkJYOEphMlBSZ2RGR1FpV0FLdlRKbXh3NFBkYldNOUtOS2NWVTFUdlZmUFprTHlBUFg0eW5VY3BPUkE1T3lPU0Jqb09oejZxS2N4Y25kX2xFSjlydkxnMTJ5a0pSbVlvYXp1NFZqcWF5LVU?oc=5) · Seeking Alpha
- 2025-05-19 [United Community Bancorp To Acquire Midland Community Bank - Taylorville Daily News](https://news.google.com/rss/articles/CBMinAFBVV95cUxNVTRTS3RESEtjdWlMSkltUVN3akE2VlhFdm4zdGlzQVBXTlZNMXFaV0VCUmRnN29YNkhieWhMdVVlR0J3WGdUSmNQWlJqc0NtM1QxWjMxRnZoV1ViTHdESEFUQWxkamFrbzlaOWx0VnhlU2QtbndxNGVwS3I2OFd1dGZST0lLN2pUdXRVakdDSVl1WExwQTkwWG01NWw?oc=5) · Taylorville Daily News
- 2026-02-21 [Liberty Bank Announces Jared Siebert as Market President - RiverBender.com](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNOWE5V1hHeWxFMTZURm5PRjBNSkpIQ1lVQzRoRXRMZmRMeE02SzdPZzRfaV9IRDZKUzhvY3EwM3hSN1RlZ0pqNE45c3RicWhkQ2dhb0I2bDRGclRhNjNwdjdYQnQ1b21hTlpkSTVLU2w3bTRXb1JQU0lBUkhJN180clhSdG90MXpJdGlObFRpNGV0dzZ1X2NQZUFVcVhqSmlzSno2QklVYmlYUVU?oc=5) · RiverBender.com
- 2025-01-13 [Allen Schmale named CEO of United Community Bank - springfieldbusinessjournal.com](https://news.google.com/rss/articles/CBMirgFBVV95cUxQOGhqbDNFcUwwVWtCYld5OUd4WmQwc1pCZW43RE9GR0NlRnJ3UTdjTVVvMkFGNWtNNEVTMFlFSndtOTNTdURYN21GSk9zQnZNU0tuYXBaUGhlQ2pLc1JGLUhhU0JzZXFkMXg1aXpoQy1hSzFvbVJTemNNNWUwS0JDZHItZEw4eDlfR0pCUDVadE5aa3hWOWVNazNnZ1Q1X0RJY1VJNVhZMDhxWjdBclE?oc=5) · springfieldbusinessjournal.com
- 2026-05-28 [Longview Bank Announces Hiring of Dean Grimes as VP, Commercial Loan Officer - Vermilion County First](https://news.google.com/rss/articles/CBMivAFBVV95cUxPNkVLUHRFT0hVcUhma0lhQTV1eERsYTQ1eVZOc3BoMjhIeHQ0MnBEUUVvcDlfWXVqczZOYVJtR3dENFhDX1ZaT1lqekxQUnpPZmdhTlJhQUtGV1A5Ulh0bVBGVTJraGdFenk3SklMLTlBWTJwcWNnd0xOeUdrR2c3cmlWdzdkX2xzMnBQVGVqMDVwaGg2cGRZQjRhdmJIOXFkRzlyVVVnczhJVHlMTEp0cG9xamtaQXMyWUk2Zg?oc=5) · Vermilion County First
- 2025-07-03 [United Community Bank names new market presidents and chief lending officer - Capitol City Now](https://news.google.com/rss/articles/CBMitgFBVV95cUxPNnpHUVBqSDVmSERwVW83dzNxQTAydDNvd0NNT0NCel9jQjltRTR5UTdoTXZuc2xYQmNnLVI2cUw2NDJMSjJSMkFTZ1JsM1FBalRndzF2UERBd203bXJvWGY3REhsY0ZxWDNoZE1JQS1LUzJSY3JKWFQtQ1Q0Z2dWVnRUYmVwbjlpZUZkMWtaNXVnWGJLMWRWc01xRnlvWUhEU1lEc2ZId0U5N0g2T1l0YW5BdHhPQQ?oc=5) · Capitol City Now

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11724 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/12.json (key "11724", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide