United Community Bank
Chatham, Illinois, Sangamon County
$4.1B in total assets, the 336th largest of 4,309 US banks and 19th of 328 headquartered in Illinois.
- FDIC certificate
- 19459
- Established
- 1965
- Owned by
- United Community Bcorp Inc
- Primary regulator
- FDIC
- Website
- www.ucbbank.com
At a glance
Compared with 50 banks headquartered in Illinois with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $4.1B | 72% | $2.7B | |
| Loans | $2.7B | 64% | $2.0B | |
| Deposits | $3.6B | 74% | $2.3B | |
| Return on assets | 1.31% | 43% | 1.42% | |
| Net interest margin | 3.03% | 10% | 3.57% | |
| Efficiency ratio | 53.4% | 55% | 51.0% | |
| Equity to assets | 10.37% | 63% | 9.97% | |
| Loans to deposits | 74% | 12% | 87% |
Growth
Total assets grew 4.0% a year over the last 5 years and 14.6% a year over 10 years, including 6 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Apr 2019 | Mercantile Bank Quincy, IL, an affiliate under the same holding company | $467M |
| Mar 2018 | Liberty Bank Alton, IL, an affiliate under the same holding company | $310M |
| Jun 2017 | Illini Bank Springfield, IL, an affiliate under the same holding company | $277M |
| Jun 2017 | Farmers State Bank of Camp Point Camp Point, IL, an affiliate under the same holding company | $51M |
| Nov 2016 | Marine Bank and Trust Carthage, IL, an affiliate under the same holding company | $255M |
| Nov 2016 | Brown County State Bank Mount Sterling, IL, an affiliate under the same holding company | $114M |
| Aug 2005 | State Bank of Auburn Auburn, IL, an affiliate under the same holding company | $72M |
| Apr 1994 | United Community Bank Gillespie, IL, an affiliate under the same holding company | $49M |
| Apr 1994 | United Community Bank Bunker Hill Bunker Hill, IL, an affiliate under the same holding company | $36M |
| Apr 1994 | United Community Bank - Greenfield Greenfield, IL, an affiliate under the same holding company | $26M |
| Jul 1989 | United Community Bank *Pawnee* Pawnee, IL, an affiliate under the same holding company | $25M |
Where they operate
46 branches in 14 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Sangamon County, IL | $1.6B | 17.0% | 2 of 24 |
| Adams County, IL | $476M | 20.9% | 2 of 13 |
| Madison County, IL | $360M | 5.4% | 7 of 23 |
| Hancock County, IL | $294M | 38.7% | 1 of 7 |
| Macoupin County, IL | $241M | 19.5% | 2 of 13 |
| Mcdonough County, IL | $133M | 14.9% | 3 of 9 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 21 branches since 2016 (25 to 46, +84.0%). 1 opened, 26 acquired, 6 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 25 | |||
| 2016 | Acquired Marine Bank and Trust and Brown County State BankSold 3 branches to Mercantile Bank | 5 | 3 | +2 | 27 |
| 2017 | Acquired Illini Bank and Farmers State Bank of Camp PointClosed Auburn | 10 | 1 | +9 | 36 |
| 2018 | Acquired Liberty Bank | 4 | 0 | +4 | 40 |
| 2019 | Acquired Mercantile Bank | 7 | 0 | +7 | 47 |
| 2020 | Closed Quincy | 0 | 1 | −1 | 46 |
| 2021 | Closed Quincy | 0 | 1 | −1 | 45 |
| 2024 | Opened Naples | 1 | 0 | +1 | 46 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 29% | 28% | |
| Construction and land | 15% | 7% | |
| 1-4 family residential | 15% | 14% | |
| Business (C&I) | 15% | 26% | |
| Farmland | 10% | 3% | |
| Multifamily | 5% | 9% | |
| Agricultural | 4% | 2% | |
| Consumer | 1% | 6% | |
| Other | 6% | 5% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 60% | 55% | |
| Time deposits | 22% | 24% | |
| Noninterest-bearing | 19% | 21% |
Brokered deposits are 4.8% of deposits (peers 8.0%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.31% | 0.52% |
| Net charge-offs, annualized | 0.01% | 0.08% |
| Reserves to loans | 1.26% | 1.07% |
| Leverage ratio | 10.17% | 10.08% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Illinois
Largest competitors in Sangamon County, IL
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/united-community-bank-chatham-il