United Community Bank

United Community Bank is a currently active commercial lending specialization banking institution headquartered in Chatham, Illinois. Established in 07/12/1965, this institution operates under regulatory supervision and is fully insured by the FDIC.

As a financial institution, United Community Bank manages $4.17B in total assets and holds $3.53B in customer deposits. When evaluating the stability of United Community Bank, one of the most critical metrics is its Capital Cushion (Equity-to-Assets Ratio). At 9.86%, this indicates how much financial loss the bank can absorb before depositors' funds are placed at risk. A strong equity cushion is a key indicator of a bank's ability to weather economic downturns.

In terms of operational efficiency, the bank's Return on Assets (ROA) is 1.22%, while its Return on Equity (ROE) sits at 12.37%. These robust metrics contribute to an overall health score of 9.9 out of 10, signaling a well-capitalized and efficiently managed operation that effectively balances risk and shareholder return.