United Community Bank (FDIC #19143): Bank Stress & Real-Estate Credit Exposure
United Community Bank (FDIC Cert #19143): bank stress 41/100, contained, STABLE over 7 days; parent COMMUNITY BCORP OF LA INC.
United Community Bank (#19143) lends in 5 counties across 1 state; United Community Bank (#19143) reaches 65 ZIP codes: Louisiana 5 counties, 65 ZIPs.
United Community Bank (#19143) largest markets: East Baton Rouge County, LA (56 branches, 28 ZIPs) (#19143), Lafourche County, LA (60 branches, 15 ZIPs) (#19143), Terrebonne County, LA (13 branches, 13 ZIPs) (#19143), Ascension County, LA (24 branches, 8 ZIPs) (#19143), St. John The Baptist County, LA (6 branches, 6 ZIPs) (#19143).
United Community Bank (#19143) reports $665.5 million in total assets; United Community Bank (#19143) equity $95.2 million (14.3% of United Community Bank (#19143) assets); United Community Bank (#19143) domestic deposits $560.0 million; United Community Bank (#19143) net income $5.8 million; United Community Bank (#19143) return on assets 1.70%; United Community Bank (#19143) return on equity 12.03%; United Community Bank (#19143) net interest income $16.1 million; United Community Bank (#19143) call report June 30, 2026.
United Community Bank (#19143) noncurrent real-estate loans 0.21% of its book; United Community Bank (#19143) residential 0.37%; United Community Bank (#19143) net charge-offs on real estate 0.75%; United Community Bank (#19143) residential charge-offs 1.09%.
United Community Bank (#19143) net interest margin 5.25% against an eight-quarter United Community Bank (#19143) average of 5.58% (United Community Bank (#19143) compression 0.33 points); United Community Bank (#19143) real-estate loans 20.9% of equity; United Community Bank (#19143) non-residential real estate 108.7% of equity; United Community Bank (#19143) rate-exposure score 40/100, United Community Bank (#19143) fixed-rate trap 40/100; United Community Bank (#19143) risk type credit driven; United Community Bank (#19143) rate regime rates elevated, United Community Bank (#19143) snapshot October 19, 2026.
United Community Bank (#19143) stress score moved from 43.4 on June 22, 2026 to 41.4 on October 19, 2026; United Community Bank (#19143) ranged 41.4 to 43.4 over 116 snapshots.
United Community Bank (#19143) alerts: 5 counties; top United Community Bank (#19143) alert scores: Baton Rouge County, LA 17 (low); Houma County, LA 17 (low); Laplace County, LA 17 (low); Prairieville County, LA 17 (low); Thibodaux County, LA 17 (low).