BlastPoint's Banking Scorecard

United Community Bank

$1B-$10B Specialty: Commercial IL FDIC cert 19459

Designations: ✓ Community bank

Chatham, IL

46 branches across IL · FL · MO

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 49 in IL.
Deposits +9.6% year over year ($3.6B on the books).
Delinquency rate 0.31%.
Return on assets 1.32%.
Efficiency ratio 53.38% vs a 59.73% peer average.
Loan-to-deposit ratio 73.51% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 49 in IL

View $1B-$10B leaderboard (IL) →

United Community Bank has 2 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Efficiency Ratio 6.35% below tier average
+ Delinquency Rate 0.55% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 44.0% in tier
- ROA 0.08% below tier average
- Net Interest Margin 0.84% below tier average

Get updates when United Community Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$4.1B +6.4% YoY -0.9% QoQ	+$1.3B	$2.8B -0.6% YoY	$2.4B +4.3% YoY	$6.3B +7.7% YoY	81%
Total Loans ?	$2.6B +8.3% YoY +3.7% QoQ	+$674.7M	$2.0B -0.3% YoY	$1.3B +4.4% YoY	$3.2B +9.4% YoY	78%
Total Deposits ?	$3.6B +9.6% YoY +1.6% QoQ	+$1.3B	$2.3B -0.5% YoY	$1.9B +3.7% YoY	$4.9B +7.3% YoY	83%
Return on Assets ?	1.32% +5.4% YoY +7.9% QoQ	-0.08%	1.39% +17.0% YoY	1.12% +2.8% YoY	1.30% +12.1% YoY	56%
Net Interest Margin ?	3.03% +2.1% YoY +4.6% QoQ	-0.84%	3.87% +6.2% YoY	3.68% +7.2% YoY	3.95% +4.9% YoY	16%
Efficiency Ratio ?	53.38% -0.6% YoY -5.5% QoQ	-6.35%	59.73% -12.6% YoY	63.11% -4.5% YoY	70.05% +2.5% YoY	67%
Delinquency Rate ?	0.31% +103.1% YoY +33.0% QoQ	-0.55%	0.87% +11.7% YoY	1.19% +6.2% YoY	0.98% +16.3% YoY	67%
Loan-to-Deposit Ratio ?	73.51% -1.2% YoY +2.1% QoQ	-11.52%	85.04% -0.1% YoY	72.86% +0.7% YoY	79.03% +2.3% YoY	79%
Non-Interest-Bearing Deposit Share ?	18.65% -4.8% YoY -5.0% QoQ	-2.63%	21.27% -1.5% YoY	20.01% -0.1% YoY	21.98% -0.6% YoY	43%
Nonperforming Asset Ratio ?	0.26% +54.7% YoY +27.5% QoQ	-0.41%	0.67% +11.7% YoY	0.81% +6.3% YoY	0.69% +15.8% YoY	66%
Tier 1 Capital Ratio ?	13.70% +3.4% YoY -0.9% QoQ	-1.14%	14.84% -0.4% YoY	17.17% +1.3% YoY	17.09% +0.8% YoY	60%
Non-Interest Income / Assets ?	0.36% -6.3% YoY +112.5% QoQ	-0.17%	0.53% +2.5% YoY	0.68% +1.1% YoY	0.66% +5.2% YoY	64%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Noninterest-Bearing	18.6% -0.9pp YoY -1.0pp QoQ	-2.7pp	21.4%	20.1%	22.2%	42%
Brokered Deposits	4.8% +1.5pp YoY -0.1pp QoQ	-4.7pp	9.5%	8.0%	8.5%	48%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
C&I	14.9% +0.8pp YoY +0.8pp QoQ	+0.9pp	14.0%	14.7%	12.5%	67%
CRE	50.0% +0.4pp YoY +0.1pp QoQ	0.0pp	50.0%	37.9%	41.4%	51%
1-4 Family	15.1% -1.0pp YoY -0.4pp QoQ	-11.3pp	26.4%	28.3%	31.3%	31%
Consumer	1.1% -0.2pp YoY 0.0pp QoQ	-3.6pp	4.7%	5.4%	5.0%	48%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
CET1 Ratio	13.7% +0.4pp YoY -0.1pp QoQ	-1.9pp	15.6%	19.9%	19.7%	53%
Leverage Ratio	10.2% +0.3pp YoY +0.2pp QoQ	-1.1pp	11.3%	12.2%	12.6%	41%
Total Capital Ratio	14.9% +0.4pp YoY -0.2pp QoQ	-1.8pp	16.7%	20.9%	20.8%	54%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Full-Time Employees	570 +17 (+3.1%) YoY +8 (+1.4%) QoQ	+256	313	228	482	87%
Assets per Employee ($)	$7.2M +3.2% YoY -2.3% QoQ	-$3.2M	$10.5M	$8.3M	$8.8M	26%
Branch Count	46 0 YoY 0 QoQ	+26	20	10	18	92%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% +0.1pp YoY +0.1pp QoQ	-0.1pp	0.2%	0.4%	0.4%	76%
Nonaccrual	0.2% +0.1pp YoY 0.0pp QoQ	-0.6pp	0.8%	1.1%	1.0%	23%
Allowance Coverage	4.07x -52.9% YoY -27.1% QoQ	-14.64x	18.71x	5.62x	20.23x	73%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.1%	0.2%	30%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
ROE	13.1% -0.2pp YoY +0.8pp QoQ	+0.5pp	12.6%	10.5%	11.6%	58%
Cost of Funds (YTD)	2.0% -0.1pp YoY 0.0pp QoQ	0.0pp	1.9%	1.6%	1.7%	53%
Net Income ($, YTD)	$27.1M +12.0% YoY — QoQ	+$7.9M	$19.2M	$11.7M	$40.4M	80%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Credit Risk Growth

risk

#178 of 402 • Bottom 44.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (4 metrics)

152

Total Deposits

size

Value: $3.59B

Peer Median: $2.32B

#152 of 885 Top 17.1% in $1B-$10B

166

Total Assets

size

Value: $4.13B

Peer Median: $2.79B

#166 of 885 Top 18.6% in $1B-$10B

186

Loan-to-Deposit Ratio

liquidity

Value: 73.51%

Peer Median: 85.04%

#186 of 885 Top 20.9% in $1B-$10B

195

Total Loans

size

Value: $2.64B

Peer Median: $1.96B

#195 of 885 Top 21.9% in $1B-$10B

Top Weaknesses (1 metrics)

748

Net Interest Margin

profitability

Value: 3.03%

Peer Median: 3.87%

#748 of 885 Bottom 15.6% in $1B-$10B