United Community Bank: how it compares with its peers
Against 29 IL banks with half to twice its assets, United Community Bank's strongest measure in Q2 2026 is return on assets (1.32% vs. a 1.43% peer median). Its weakest relative measure is assets per employee ($7.2M vs. $12.9M).
| Measure | United Community Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.32% | 1.43% | Middle third Ahead of 38% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.03% | 3.38% | Bottom third Ahead of 17% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 53.38% | 49.49% | Middle third Ahead of 38% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.2M | $12.9M | Bottom third Ahead of 11% of peers |
| Loans to deposits Net loans and leases over total deposits. | 73.51% | 87.26% | Context |
What it means for lending operations
Its efficiency ratio of 53.38% is above the 49.49% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- State Bank of India Chicago, IL · $4.32B
- Carrollton Bank Carrollton, IL · $3.88B
- St. Charles Bank & Trust Company, National Association Saint Charles, IL · $3.69B
- Parkway Bank and Trust Company Harwood Heights, IL · $3.66B
- Village Bank and Trust, National Association Arlington Heights, IL · $3.63B
- Old Plank Trail Community Bank, National Association New Lenox, IL · $3.53B
Questions about United Community Bank
How big is United Community Bank?
United Community Bank, established in 1965, is headquartered in Chatham, IL. It reported $4.13B in total assets in its Q2 2026 FDIC call report and operates 48 offices.
What is United Community Bank's return on assets?
1.32% annualized in Q2 2026, against a 1.43% median for 29 IL banks with half to twice its assets, ahead of 38% of them.
What is United Community Bank's efficiency ratio?
53.38% in Q2 2026: it spent about 53 cents in noninterest expense for each dollar of revenue. The peer median is 49.49%, and lower is better.
Is United Community Bank growing its loans?
Net loans grew 8.3% over the year to Q2 2026, while deposits grew 9.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Illinois bank ranked.