United Community Bank
Milford, IA
IDRSSD: 884648
Total Assets
$289.31M
Latest filing
Total Deposits
$241.40M
Latest filing
Net Interest Margin
2.93%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
073921323MILFORD, IA
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
United Community Bank
1000 Okoboji Ave
Milford, IA 51351
Full Service - Brick and Mortar
Updated 01/30/2026Established 06/10/1931FDIC Certificate 8534
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| United Community Bank (Main) | 1000 Okoboji Ave | Milford, IA |
| HARTLEY BRANCH | 117 S Central Ave | Hartley, IA |
| OCHEYEDAN BRANCH | 850 Main St | Ocheyedan, IA |
| OKOBOJI BRANCH | Highway 71 North | Okoboji, IA |
| LAKE PARK BRANCH | 113 Market St | Lake Park, IA |
Showing 4 of 4
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 | 06/10/1931 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 51351 |
| State and County Number | 19059 |
| Subchapter S Corporations | Yes |
| Trust Powers | Trust Powers Grandfathered |
| Federal Reserve ID Number | 07 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | Spirit Lake, IA |
Operational Info
| Number of Employees | 33 |
| Domestic Offices | 5 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2024 |
| Date of Deposit Insurance | 11/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.unitedcommunitybank.com |
| Data Updated | 01/30/2026 |
| CERT | 13656 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $289.31M |
| Total Deposits | $241.40M |
| Total Liabilities | $263.61M |
| Total Equity Capital | $25.70M |
| Net Income | $573.00k |
| Net Loans and Leases | $194.20M |
| Assets Per Employee ($Millions) | $8.77M |
| Bank Premises and Fixed Assets | $1.76M |
| Cash and Balances due from Depository Institutions | $33.04M |
| Deposits Held in Domestic Offices | $241.40M |
Key Performance Ratios
| Return on Assets (ROA) | 0.8% |
| Return on Equity (ROE) | 9.01% |
| Net Interest Margin | 2.93% |
| Efficiency Ratio | 68.03% |
| Tier 1 Risk-Based Capital Ratio | 11.719% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.15% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.882% |
| Earning Assets to total Assets | 93.64% |
Income and Expense
| Total Interest Income | $3.41M |
| Total Noninterest Income | $288.00k |
| Total Interest Expense | $1.45M |
| Total Noninterest Expense | $1.53M |
| Net Interest Income | $1.96M |
| Pre-tax Net Operating Income | $614.00k |
| Provision for Credit Losses | $105.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $17.76M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $4.45M |
| Total Liabilities and Capital | $289.31M |
Securities
| Securities | $44.93M |
| Available-for-sale debt securities | $44.93M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of United Community Bank?
$289.31M as of the latest filing.
How much are United Community Bank's total deposits?
$241.40M in total deposits.
Where is United Community Bank located?
Milford, IA.
What is the Net Interest Margin?
2.93%.
How many domestic offices does it operate?
5.
When was it established?
06/10/1931.
What is the Return on Assets (ROA)?
0.8%.
How much are total loans and leases?
$194.20M (latest filing).
What is the total interest income (latest filing)?
$3.41M.