United Commerce Bank

211 South College Avenue
Bloomington, IN 47402
(877) 347-2265
www.unitedcommercebank.com

FDIC

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United Commerce Bank is headquartered in Bloomington and is the 90^th largest bank in the state of Indiana. It is also the 4,164^th largest bank in the nation. It was established in 2000 and as of December of 2012, it had grown to 30 employees at 2 locations. United Commerce Bank has a 4-star health rating.

2.75% 30-Month CD And IRA CD At United Commerce Bank In Indiana (Forum) - 7/5/2010

This is one of 3 CD and IRA CD specials being offered by United Commerce Bank as of 7/5/2010. The other two with shorter terms aren't nearly as competitive. 2.75% APY 30-month CD and IRA CD, min $500 A branch visit appears to be required. Branches ar

Competitive CD Specials at United Commerce Bank in Indiana - Local Only - 2/9/2010

United Commerce Bank is offering some competitive CD specials: 2.00% APY 10-month CD 2.25% APY 25-month CD or IRA CD 3.00% APY 30-month CD or IRA CD Minimum deposit is $500. These r ...

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See Rates for: Checking | Savings | Money Market | CD | IRA

United Commerce Bank Checking Account Rates

Apy	Min	Max	Product
0.05%	$1k	-	Interest Checking
0.05%	-	-	Interest Checking Plus
0.05%	-	-	UCB Gold Club
0.05%	$2,500	-	Small Business Interest Checking

United Commerce Bank Savings Account Rates

Apy	Min	Max	Product
0.05%	$1k	-	Health Savings
0.05%	-	-	Statement Savings
0.05%	-	-	Holiday Savings
0.05%	-	-	Premium Savings
0.05%	-	-	Business Savings

United Commerce Bank Money Market Rates

	Apy	Min	Max	Product
	0.05%	-	-	Money Market Savings

United Commerce Bank CD Rates

Apy	Min	Max	Product
0.60%	$500	-	60 Month CD
0.55%	$500	-	13 Month CD Special
0.35%	$500	-	36 Month CD
0.35%	$500	-	48 Month CD
0.30%	$500	-	24 Month CD
0.30%	$500	-	30 Month CD
0.15%	$500	-	12 Month CD
0.15%	$500	-	18 Month CD
0.10%	$500	-	6 Month CD
0.05%	$500	-	3 Month CD

United Commerce Bank IRA Rates

Apy	Min	Max	Product
0.60%	$500	-	60 Month IRA
0.60%	$500	-	60 Month Roth IRA
0.55%	$500	-	13 Month IRA Special
0.55%	$500	-	13 Month Roth IRA Special
0.35%	$500	-	36 Month IRA
0.35%	$500	-	48 Month IRA
0.35%	$500	-	36 Month Roth IRA
0.35%	$500	-	48 Month Roth IRA
0.30%	$500	-	24 Month IRA
0.30%	$500	-	30 Month IRA
0.30%	$500	-	24 Month Roth IRA
0.30%	$500	-	30 Month Roth IRA
0.15%	$500	-	12 Month IRA
0.15%	$500	-	18 Month IRA
0.15%	$500	-	12 Month Roth IRA
0.15%	$500	-	18 Month Roth IRA

Rates updated: 4/25/2013

Data for Q4 2012

Institution Statistics

United Commerce Bank
FDIC Certificate #	35306
BankRate Report	View
Year Established	2000
Employees	30
Primary Regulator	FDIC
Assets and Liabilities
Assets	$131.29 million
Loans	$95.93 million
Deposits	$116.73 million
Equity Capital	$14.29 million
Loan Loss Allowance	$2.00 million
Unbacked Noncurrent Loans	$2.09 million
Real Estate Owned	$1.32 million
Historic Data - December 2011
Assets	$155.49 million
Equity Capital	$13.57 million
Loan Loss Allowance	$3.60 million
Unbacked Noncurrent Loans	$6.50 million
Real Estate Owned	$1.16 million
Profit Margin - Quarterly
Net Interest Margin	3.78%
Return on Assets	0.57%
Return on Equity	5.89%
Interest Income	$6.24 million

Institution Health

Overall Score:

4 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 United Commerce Bank had $3.4 million in non-current loans and owned real-estate with $16.28 million in equity and loan loss allowances on hand to cover it. This gives United Commerce Bank a Texas Ratio of 20.90% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for United Commerce Bank decreased significantly from 44.65% as of December 31, 2011 to 20.90% as of December 31, 2012, resulting in a positive change of 53.19%.This indicates that the balance sheet and financial strength for United Commerce Bank has improved significantly in recent periods.
Deposit Growth
In the past year, United Commerce Bank has decreased its total deposits by -$24.91 million, resulting in -17.59% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth United Commerce Bank has shown is poor.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. United Commerce Bank has $131.29 million in assets with $16.28 million in equity, resulting in a capitalization level of 12.40%, which is excellent.