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Overview / Commentary
301 North Main Street
Chatham, IL 62629

United Community Bank (19459) is headquartered in Chatham and is the 24th largest bank in the state of Illinois. It is also the 450th largest bank in the nation. It was established in 1965 and as of December of 2017, it had grown to 463 employees at 36 locations. United Community Bank (19459) has an A health rating.

Reviews (2)

Great Local Community Bank

I have been with United Community Bank since my first high school days. I have opened a savings account, and two checking accounts through my local branch. The staff at this facility is very friendly and helpful with all my banking needs. I feel that the people of this bank really have the customer's best financial needs in mind when making decisions. While the savings account doesn't earn as much interest as I would like, it is about average compared to other local banking options. There are no fees associated with the savings account and one is only required to maintain a minimum balance of $50 at all times. What I like best about this bank is the checking accounts. There is no minimum amount required for these accounts and they provide free setup for checks and debit cards to the account. The best part is the reward program with the debit card. A person can earn "cash-back" type rewards without the regulations of a credit card. Then once you build up points, customers can select a variety of rewards like, cash, gift cards, physical prizes, and more. Overall United Community Bank is a great local Banking option for everyone.

A good bank for good people.

Throughout my entire time in Macomb, Il, I banked with UCB. They were not only great to me, but I have come into contact with anyone who did not like them. I just held a savings and checking account with them. The minimums were low, which was what I was looking for, and the fees were comparable, if not less than those around us. The customer service was great as well. And when I went in to close my account (because I was moving) not only were they kind and understanding, but they made me want to stay and not move. They were great, and I have no regrets. I will recommend this bank to anyone in the area, or anyone in the area that this local bank serves. It was a great experience for me.


Health Grade Components

FDIC Certificate #19459
Year Established1965
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.29%
Return on Equity - YTD13.29%
Annual Interest Income$57.2MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$1.80B$1.42B
LoansQ4 2017vs Q4 2016$1.08B$954.0MM
DepositsQ4 2017vs Q4 2016$1.49B$1.18B
Equity CapitalQ4 2017vs Q4 2016$168.4MM$126.4MM
Loan Loss AllowanceQ4 2017vs Q4 2016$12.4MM$11.0MM
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$6.4MM$5.2MM
Real Estate OwnedQ4 2017vs Q4 2016$3.7MM$1.6MM

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