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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 469th largest bank in the nation. It was established in 1965 and as of September of 2017, it had grown to 458 employees at 36 locations. United Community Bank (19459) has an A health rating.

Reviews (1)

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.


Health Grade Components

FDIC Certificate #19459
Year Established1965
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.3%
Return on Equity - YTD13.34%
Annual Interest Income$42.8MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$1.72B$1.06B
LoansQ3 2017vs Q3 2016$1.08B$678.1MM
DepositsQ3 2017vs Q3 2016$1.43B$900.1MM
Equity CapitalQ3 2017vs Q3 2016$172.2MM$100.4MM
Loan Loss AllowanceQ3 2017vs Q3 2016$12.2MM$7.2MM
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$6.7MM$4.4MM
Real Estate OwnedQ3 2017vs Q3 2016$4.2MM$1.5MM

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