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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 464th largest bank in the nation. It was established in 1965 and as of June of 2017, it had grown to 456 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 - YTD13.46%
Annual Interest Income$28.5MM
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$1.72B$1.05B
LoansQ2 2017vs Q2 2016$1.07B$618.5MM
DepositsQ2 2017vs Q2 2016$1.43B$904.6MM
Equity CapitalQ2 2017vs Q2 2016$170.2MM$100.3MM
Loan Loss AllowanceQ2 2017vs Q2 2016$11.8MM$7.2MM
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$7.7MM$4.3MM
Real Estate OwnedQ2 2017vs Q2 2016$3.6MM$1.6MM

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