United Community Bank (FDIC #19459): Bank Stress & Real-Estate Credit Exposure
United Community Bank (FDIC Cert #19459): bank stress 63/100, elevated, STABLE over 7 days; parent UNITED COMMUNITY BCORP INC.
United Community Bank (#19459) lends in 14 counties across 3 states; United Community Bank (#19459) reaches 252 ZIP codes: Illinois 12 counties, 218 ZIPs; Florida 1 county, 24 ZIPs; Missouri 1 county, 10 ZIPs.
United Community Bank (#19459) largest markets: Madison County, IL (144 branches, 36 ZIPs) (#19459), Mclean County, IL (33 branches, 33 ZIPs) (#19459), Sangamon County, IL (450 branches, 30 ZIPs) (#19459), Macoupin County, IL (112 branches, 28 ZIPs) (#19459), Collier County, FL (24 branches, 24 ZIPs) (#19459), Adams County, IL (138 branches, 23 ZIPs) (#19459).
United Community Bank (#19459) reports $4.13 billion in total assets; United Community Bank (#19459) equity $428.4 million (10.4% of United Community Bank (#19459) assets); United Community Bank (#19459) domestic deposits $3.59 billion; United Community Bank (#19459) net income $27.1 million; United Community Bank (#19459) return on assets 1.32%; United Community Bank (#19459) return on equity 13.12%; United Community Bank (#19459) net interest income $59.5 million; United Community Bank (#19459) call report June 30, 2026.
United Community Bank (#19459) noncurrent real-estate loans: none reported; United Community Bank (#19459) residential 0.01%; United Community Bank (#19459) net charge-offs on real estate 0.38%; United Community Bank (#19459) commercial charge-offs 0.63%; United Community Bank (#19459) residential charge-offs 0.16%.
United Community Bank (#19459) net interest margin 3.03% against an eight-quarter United Community Bank (#19459) average of 2.96% (United Community Bank (#19459) compression -0.07 points); United Community Bank (#19459) real-estate loans 0.5% of equity; United Community Bank (#19459) commercial real estate 63.1% of equity; United Community Bank (#19459) non-residential real estate 16.1% of equity; United Community Bank (#19459) rate-exposure score 46/100, United Community Bank (#19459) fixed-rate trap 46/100; United Community Bank (#19459) risk type credit driven; United Community Bank (#19459) rate regime rates elevated, United Community Bank (#19459) snapshot October 19, 2026.
United Community Bank (#19459) stress score moved from 65.2 on June 22, 2026 to 62.9 on October 19, 2026; United Community Bank (#19459) ranged 62.9 to 65.2 over 116 snapshots.
United Community Bank (#19459) alerts: 14 counties; top United Community Bank (#19459) alert scores: Hamilton County, IL 45 (moderate); Gillespie County, IL 23 (low); Godfrey County, IL 23 (low); Hudson County, IL 23 (low); Lincoln County, IL 23 (low).