United Community Bank
Chatham, IL
IDRSSD: 439338
Total Assets
$4.09B
Latest filing
Total Deposits
$3.44B
Latest filing
Net Interest Margin
3.07%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
281277364QUINCY, IL
Key People
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Locations
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Main Office
United Community Bank
301 N Main St
Chatham, IL 62629
Full Service - Brick and Mortar
Updated 01/30/2026Established 07/12/1965FDIC Certificate 13260
Branches (45)
Page 1 of 7| Name | Address | City / State |
|---|---|---|
| United Community Bank (Main) | 301 N Main St | Chatham, IL |
| OPERATIONS CENTER | 200 N 5th St | Auburn, IL |
| PAWNEE MAIN BRANCH | 619 5th St | Pawnee, IL |
| MARINE BANK & TRUST BRANCH | 1111 Broadway St | Hamilton, IL |
| GILLESPIE MAIN BRANCH | 301 S Macoupin St | Gillespie, IL |
| SPRINGFIELD BR | 3200 W Iles Ave | Springfield, IL |
| ELKHART BRANCH | 120 Governor Oglesby Street | Elkhart, IL |
| CHATHAM ROAD FACILITY | 120 Chatham Rd | Springfield, IL |
Showing 7 of 45
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 07/12/1965 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 62629 |
| State and County Number | 17167 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 07 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Springfield, IL |
Operational Info
| Number of Employees | 561 |
| Domestic Offices | 46 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 07/12/1965 |
| Primary Insurance Agency | DIF |
| Website | www.ucbbank.com |
| Data Updated | 01/30/2026 |
| CERT | 19459 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $4.09B |
| Total Deposits | $3.44B |
| Total Liabilities | $3.69B |
| Total Equity Capital | $402.79M |
| Net Income | $13.05M |
| Net Loans and Leases | $2.57B |
| Assets Per Employee ($Millions) | $7.16M |
| Bank Premises and Fixed Assets | $31.68M |
| Cash and Balances due from Depository Institutions | $455.16M |
| Deposits Held in Domestic Offices | $3.44B |
Key Performance Ratios
| Return on Assets (ROA) | 1.3% |
| Return on Equity (ROE) | 13.02% |
| Net Interest Margin | 3.07% |
| Efficiency Ratio | 51.94% |
| Tier 1 Risk-Based Capital Ratio | 13.362% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.07% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.852% |
| Earning Assets to total Assets | 95.37% |
Income and Expense
| Total Interest Income | $49.22M |
| Total Noninterest Income | $7.80M |
| Total Interest Expense | $19.71M |
| Total Noninterest Expense | $19.52M |
| Net Interest Income | $29.51M |
| Pre-tax Net Operating Income | $17.04M |
| Provision for Credit Losses | $754.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $2.53M |
| Other borrowed funds | $99.50M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $120.27M |
| All Other Liabilities | $28.80M |
| Total Liabilities and Capital | $4.09B |
Securities
| Securities | $906.60M |
| Available-for-sale debt securities | $622.50M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $284.09M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of United Community Bank?
$4.09B as of the latest filing.
How much are United Community Bank's total deposits?
$3.44B in total deposits.
Where is United Community Bank located?
Chatham, IL.
What is the Net Interest Margin?
3.07%.
How many domestic offices does it operate?
46.
When was it established?
07/12/1965.
What is the Return on Assets (ROA)?
1.3%.
How much are total loans and leases?
$2.57B (latest filing).
What is the total interest income (latest filing)?
$49.22M.