United Community Bank (FDIC #13656): Bank Stress & Real-Estate Credit Exposure
United Community Bank (FDIC Cert #13656): bank stress 71/100, elevated, STABLE over 7 days; parent MILFORD BCORP.
United Community Bank (#13656) lends in 3 counties across 1 state; United Community Bank (#13656) reaches 27 ZIP codes: Iowa 3 counties, 27 ZIPs.
United Community Bank (#13656) largest markets: O'Brien County, IA (14 branches, 14 ZIPs) (#13656), Dickinson County, IA (30 branches, 10 ZIPs) (#13656), Osceola County, IA (8 branches, 8 ZIPs) (#13656).
United Community Bank (#13656) reports $290.0 million in total assets; United Community Bank (#13656) equity $26.6 million (9.2% of United Community Bank (#13656) assets); United Community Bank (#13656) domestic deposits $232.7 million; United Community Bank (#13656) net income $1.6 million; United Community Bank (#13656) return on assets 1.12%; United Community Bank (#13656) return on equity 12.41%; United Community Bank (#13656) net interest income $4.3 million; United Community Bank (#13656) call report June 30, 2026.
United Community Bank (#13656) noncurrent real-estate loans: none reported; United Community Bank (#13656) net charge-offs on real estate 2.29%.
United Community Bank (#13656) net interest margin 3.20% against an eight-quarter United Community Bank (#13656) average of 2.76% (United Community Bank (#13656) compression -0.44 points); United Community Bank (#13656) rate-exposure score 40/100, United Community Bank (#13656) fixed-rate trap 40/100; United Community Bank (#13656) risk type credit driven; United Community Bank (#13656) rate regime rates elevated, United Community Bank (#13656) snapshot October 19, 2026.
United Community Bank (#13656) stress score moved from 71.4 on June 22, 2026 to 71 on October 20, 2026; United Community Bank (#13656) ranged 71 to 71.4 over 117 snapshots.
United Community Bank (#13656) alerts: 3 counties; top United Community Bank (#13656) alert scores: Hartley County, IA 24 (low); Ocheyedan County, IA 24 (low); Okoboji County, IA 24 (low).