# UNITED COMMUNITY BANK
CHATHAM, IL · FDIC certificate 19459 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 0 (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 | $4.13B | |
| Deposits | $3.59B | |
| Loans and leases | $2.67B | |
| Total equity | $428.4M | |
| Loans / deposits | 73.51% (p22 of band) | 87.10% |
| Liquid assets / assets | 32.38% (p80 of band) | |
| Uninsured deposits / deposits | 35.03% (p61 of band) | 30.76% |
| Brokered deposits | 4.17% | |
| Wholesale funding | 6.27% (p51 of band) | |
| FHLB advances / assets | 1.68% | |
| Tier 1 leverage | 10.17% (p42 of band) | 10.50% |
| Unrealized securities loss / equity | -9.89% (p40 of band) | -7.75% |
| AOCI / equity | -0.25% (p53 of band) | |
| ROA (annualized) | 1.32% (p56 of band) | 1.26% |
| Net interest margin | 3.03% (p16 of band) | 3.70% |
| Efficiency ratio | 53.38% (p34 of band) | |
| Noncurrent loans | 0.31% (p34 of band) | 0.51% |
| Net charge-offs (annualized) | 0.01% (p33 of band) | |
| Reserve coverage of noncurrent | 407.16% | |
| Real estate % of loans | 74% | |
| Construction % of loans | 94.76% (p86 of band) | |
| Auto loans | $14.2M (0.53% of loans; DQ 0.49%, NCO 0.00%) | |
| Loans to nondepository financials | $2.3M (1% of equity) (p74 of band) | |
| Deposits YoY | 9.6% | |
| Employees | 570 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | wholesale funding >15% |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 0 |  | wholesale funding >15% |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | leverage <7% |  |
| 2014-03 | 0 |  | leverage <7% |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | deposits shrinking |  |
| 2015-12 | 2 | assets shrinking |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 1 | capital falling | deposits shrinking, assets shrinking |
| 2016-09 | 1 | uninsured deposits leaving | capital falling |
| 2016-12 | 0 |  | uninsured deposits leaving |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | uninsured deposits leaving |  |
| 2018-03 | 0 |  | uninsured deposits leaving |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | reserve under noncurrent |  |
| 2018-12 | 0 |  | reserve under noncurrent |
| 2019-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 1 |  | noncurrent p90 |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 | capital falling | reserve under noncurrent |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 1 | NIM <2.5% |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 2 | capital falling |  |
| 2022-03 | 1 |  | capital falling |
| 2022-06 | 2 | uninsured deposits leaving |  |
| 2022-09 | 3 | AOCI drag >20% of equity, securities losses >30% of equity | uninsured deposits leaving |
| 2022-12 | 1 |  | NIM <2.5%, AOCI drag >20% of equity |
| 2023-03 | 0 |  | securities losses >30% of equity |
| 2023-06 | 1 | deposits shrinking |  |
| 2023-09 | 2 | securities losses >30% of equity |  |
| 2023-12 | 0 |  | deposits shrinking, securities losses >30% of equity |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | construction >100% equity |  |
| 2025-03 | 2 | capital falling |  |
| 2025-06 | 1 |  | capital falling |
| 2025-09 | 0 |  | construction >100% equity |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## 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=19459 (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/3.json (key "19459", 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