United Community Bank Mortgage Rates, Fees & Info

Chatham, IL

LEI: 5493000XYE7QL54NMB52

Tax ID: 37-0863264

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    United Community Bank is a smaller bank specializing in Home Purchase loans. United Community Bank has a high proportion of conventional loans. They have a low ratio of USDA loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Springfield, St. Louis, Fort Madison, Macomb, and Quincy among others. We have data for 33 markets. (Some data included below & more in-depth data is available with an active subscription.)

    United Community Bank has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. United Community Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 6.36% 4/21/24
    30 Year Conventional Purchase 6.73% 4/21/24
    30 Year Conventional Refi 6.69% 4/21/24
    30 Year Cash-out Refi 6.75% 4/21/24
    30 Year FHA Purchase 7.28% 4/21/24
    30 Year FHA Refi 7.03% 4/21/24
    30 Year VA Purchase 6.56% 4/21/24
    30 Year VA Refi 6.27% 4/21/24
    30 Year USDA Purchase 6.66% 4/21/24
    30 Year USDA Refi 6.67% 4/21/24
    15 Year Conventional Purchase 5.99% 4/21/24
    15 Year Conventional Refi 6.04% 4/21/24
    15 Year Cash-out Refi 6.04% 4/21/24
    15 Year FHA Purchase 7.10% 4/21/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    United Community Bank Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from United Community Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    1,158

    Origination Dollar Volume (All Markets)

    $130,030,000

    Employee count

    510 Show all (18) awards

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    SPRINGFIELD, IL (FHA|USDA|VA) 544 $65,320,000 $120,074 $1,578 4.65%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 248 $28,950,000 $116,734 $1,660 4.65%
    Outside of Metro Areas 106 $10,100,000 $95,283 $1,922 4.55%
    Fort Madison-Keokuk, IA-IL-MO (FHA|USDA|VA) 86 $6,040,000 $70,233 $1,583 4.56%
    Macomb, IL (FHA|USDA|VA) 49 $3,755,000 $76,633 $1,682 4.74%
    Quincy, IL-MO (FHA|USDA|VA) 32 $3,100,000 $96,875 $1,940 4.57%
    Jacksonville, IL (FHA|USDA|VA) 20 $1,570,000 $78,500 $1,644 4.60%
    BLOOMINGTON, IL (FHA|USDA|VA) 10 $1,550,000 $155,000 $2,351 4.54%
    Lincoln, IL (FHA|USDA|VA) 12 $1,410,000 $117,500 $1,746 4.45%
    Taylorville, IL (FHA|USDA|VA) 12 $1,320,000 $110,000 $2,335 4.38%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 3 $1,255,000 $418,333 $4,521 4.88%
    ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 1 $835,000 $835,000 $0 4.95%
    PEORIA, IL (FHA|USDA|VA) 8 $820,000 $102,500 $1,371 4.54%
    CARBONDALE-MARION, IL (FHA|USDA|VA) 3 $535,000 $178,333 $3,313 4.25%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 1 $455,000 $455,000 $5,424 4.58%
    Traverse City, MI (FHA|USDA|VA) 1 $455,000 $455,000 $2,597 4.50%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $355,000 $355,000 $5,797 4.88%
    JEFFERSON CITY, MO (FHA|USDA|VA) 1 $285,000 $285,000 $2,663 4.50%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 1 $255,000 $255,000 $3,964 4.63%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $245,000 $245,000 $3,561 4.75%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 1 $225,000 $225,000 $5,708 4.68%
    DECATUR, IL (FHA|USDA|VA) 2 $160,000 $80,000 $1,621 4.38%
    KANKAKEE, IL (FHA|USDA|VA) 2 $160,000 $80,000 $910 4.96%
    Dixon, IL (FHA|USDA|VA) 1 $155,000 $155,000 $2,289 4.50%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 1 $155,000 $155,000 $3,124 4.63%
    SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 2 $120,000 $60,000 $2,137 4.38%
    CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 3 $115,000 $38,333 $161 5.58%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 1 $85,000 $85,000 $0 4.50%
    Branson, MO (FHA|USDA|VA) 1 $75,000 $75,000 $1,700 4.50%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 1 $65,000 $65,000 $1,051 5.75%
    MUNCIE, IN (FHA|USDA|VA) 1 $55,000 $55,000 $0 4.50%
    Burlington, IA-IL (FHA|USDA|VA) 1 $35,000 $35,000 $1,584 3.25%
    DANVILLE, IL (FHA|USDA|VA) 1 $15,000 $15,000 $170 5.75%
    United Community Bank's top markets include Springfield, St. Louis, Fort Madison, Macomb, and Quincy among others.

    Their top states include:
  • Illinois (FHA|USDA|VA)
  • Missouri (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Kentucky (FHA|USDA|VA)
  • Michigan (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against United Community Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    American Bank of Missouri
    Similarity Rank: 24
    UNITED
    Similarity Rank: 28
    First Bankers Trust Company
    Similarity Rank: 80
    Ozarks Federal Savings and Loan Association
    Similarity Rank: 100
    Liberty Bank for Savings
    Similarity Rank: 104
    Community Bank of Trenton
    Similarity Rank: 108
    HomeBank
    Similarity Rank: 144
    First National Bank of Waterloo
    Similarity Rank: 200
    Morton Community Bank
    Similarity Rank: 216
    RELIANCE BANK
    Similarity Rank: 238

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,063 $120,545,000 $113,401 $1,548 4.65%
    USDA 69 $6,075,000 $88,043 $2,397 4.40%
    VA 13 $1,925,000 $148,077 $4,772 4.40%
    FHA 10 $1,270,000 $127,000 $4,904 4.30%
    HELOC 3 $215,000 $71,667 n/a 4.58%

    For 2018, United Community Bank's most frequently originated type of loan was Conventional, with 1,063 originations. Their 2nd most popular type was USDA, with 69 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 658 $86,990,000 $132,204 $2,027 4.56%
    Refi 213 $23,245,000 $109,131 $1,238 4.78%
    Cash Out Refi 106 $12,330,000 $116,321 $2,268 4.32%
    Home Improvement 103 $3,435,000 $33,350 $507 4.90%
    Other 78 $4,030,000 $51,667 $707 4.87%

    For 2018, United Community Bank's most frequently cited loan purpose was Home Purchase, with 658 originations. The 2nd most popular reason was Refi, with 213 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 555 $78,335,000 $141,144 $2,173 4.58%
    15 Year 200 $21,020,000 $105,100 $1,415 4.37%
    5 Year 113 $8,455,000 $74,823 $366 4.97%
    10 Year 103 $4,925,000 $47,816 $786 4.80%
    20 Year 87 $9,115,000 $104,770 $1,769 4.65%
    Other 72 $5,480,000 $76,111 $717 4.88%
    1 Year 14 $1,730,000 $123,571 $710 4.98%
    3 Year 13 $815,000 $62,692 $207 4.75%
    30+ year 1 $155,000 $155,000 $0 5.25%

    For 2018, United Community Bank's most frequently cited loan duration was 30 Year, with 555 originations. The 2nd most popular length was 15 Year, with 200 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 748 $72,920,000 $97,487
    $1k-2k 157 $23,915,000 $152,325
    $2k-3k 56 $10,050,000 $179,464
    $3k-4k 13 $3,085,000 $237,308
    $4k-5k 9 $2,555,000 $283,889
    $5k+ 2 $640,000 $320,000

    United Community Bank's average total fees were $2,173, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 748 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 854 $101,880,000 $119,297
    5-6% 165 $11,255,000 $68,212
    3-4% 134 $16,400,000 $122,388
    6-7% 5 $495,000 $99,000

    During 2018, United Community Bank's average interest rate for loans was 4.58%, while their most frequently originated rate bucket for loans was 4-5%, with 854 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 658 $34,330,000 $52,173 $1,247 4.71%
    $100k-200k 332 $46,360,000 $139,639 $1,958 4.53%
    $200k-400k 143 $36,935,000 $258,287 $2,616 4.49%
    $400k-600k 22 $9,780,000 $444,545 $2,782 4.52%
    $600k-1MM 3 $2,625,000 $875,000 $0 4.98%

    2018 saw United Community Bank place emphasis on $100,000 or less loans with 658 originations, totaling $34,330,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 266 $24,560,000 $92,331 $1,738 4.63%
    $50k or less 256 $16,910,000 $66,055 $1,607 4.59%
    $100k-150k 229 $32,425,000 $141,594 $1,843 4.64%
    $75k-100k 198 $20,710,000 $104,596 $1,627 4.63%
    $150k-250k 110 $16,640,000 $151,273 $1,532 4.62%
    $250k+ 37 $10,095,000 $272,838 $1,750 4.62%

    United Community Bank lent most frequently to those with incomes in the $50k-75k range, with 266 originations. The second most popular income band? $50k or less, with 256 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 344 $38,870,000 $112,994 $1,695 4.54%
    30-36% 236 $25,790,000 $109,280 $1,712 4.63%
    <20% 175 $17,455,000 $99,743 $1,595 4.58%
    38% 50 $5,520,000 $110,400 $1,456 4.56%
    36% 45 $4,425,000 $98,333 $1,795 4.71%
    37% 41 $5,005,000 $122,073 $1,526 4.64%
    39% 40 $3,950,000 $98,750 $1,635 4.71%
    40% 34 $2,940,000 $86,471 $1,589 4.76%
    42% 32 $2,990,000 $93,438 $1,386 4.80%
    41% 29 $3,955,000 $136,379 $1,617 4.80%
    44% 13 $1,575,000 $121,154 $2,190 4.46%
    45% 11 $1,315,000 $119,545 $1,893 4.72%
    46% 11 $1,765,000 $160,455 $2,929 4.57%
    43% 10 $1,350,000 $135,000 $1,923 4.97%
    49% 8 $830,000 $103,750 $1,791 4.57%
    47% 7 $1,115,000 $159,286 $2,721 4.63%
    48% 7 $1,135,000 $162,143 $2,131 4.51%
    >60% 4 $1,600,000 $400,000 $2,527 5.00%
    50-60% 3 $315,000 $105,000 $1,153 4.92%

    United Community Bank lent most frequently to those with DTI ratios of 20-30%, with 344 originations. The next most common DTI ratio? 30-36%, with 236 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,078 $118,050,000 $109,508 $1,669 4.61%
    Not applicable 45 $7,205,000 $160,111 $2,691 4.94%
    Not provided 11 $1,335,000 $121,364 $1,666 4.72%
    Asian 9 $1,255,000 $139,444 $991 4.92%
    American Indian 5 $1,235,000 $247,000 $2,095 4.43%
    Black 10 $950,000 $95,000 $4,163 4.83%

    Approval Rates

    Total approvals of all applications
    88.37%

    United Community Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    83.59%

    United Community Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,158 $130,030,000 $112,288

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 7 $2,595,000 $370,714
    Single Family (1-4 Units):Manufactured 19 $1,285,000 $67,632
    Single Family (1-4 Units):Site-Built 1,132 $126,150,000 $111,440

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 107 $5,745,000 $53,692 $756 4.83%
    40-60% 105 $9,565,000 $91,095 $1,321 4.42%
    60-80% 380 $49,730,000 $130,868 $1,987 4.61%
    80-100% 431 $59,265,000 $137,506 $2,144 4.55%
    Over 100% 13 $2,525,000 $194,231 $4,718 4.91%
    Under 20% 119 $3,045,000 $25,588 $296 4.96%

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    UNITED COMMUNITY BANK Other type of mortgage Trouble during payment process 1 25.0%
    UNITED COMMUNITY BANK Conventional home mortgage Trouble during payment process 1 25.0%
    UNITED COMMUNITY BANK Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 1 25.0%
    UNITED COMMUNITY BANK Other type of mortgage Struggling to pay mortgage 1 25.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    United Community Bank 1 Professional Plaza Pittsfield, IL 62363 Full Service B&M $48,910
    United Community Bank 101-103 East Main Street Mount Sterling, IL 62353 Full Service B&M $44,090
    United Community Bank 102 Church Street Loami, IL 62661 Limited, Drive-thru $0
    United Community Bank 105 West Franklin Hudson, IL 61748 Full Service B&M $20,939
    United Community Bank 109 East Depot Street Colchester, IL 62326 Full Service B&M $16,279
    United Community Bank 1111 Broadway Hamilton, IL 62341 Full Service B&M $40,980
    United Community Bank 120 Governor Oglesby Street Elkhart, IL 62634 Full Service B&M $6,620
    United Community Bank 120 Illini Boulevard Sherman, IL 62684 Full Service B&M $31,543
    United Community Bank 120 South Chatham Road Springfield, IL 62704 Full Service B&M $40,458
    United Community Bank 129 North Washington Bunker Hill, IL 62014 Full Service B&M $45,476
    United Community Bank 1700 East Jackson Street Macomb, IL 61455 Full Service B&M $3,452
    United Community Bank 190 East Hurst Bushnell, IL 61422 Full Service B&M $15,645
    United Community Bank 1900 West Iles Avenue Springfield, IL 62704 Full Service B&M $192,011
    United Community Bank 200 North Fifth Street Auburn, IL 62615 Limited, Administrative $0
    United Community Bank 200 Reichert Road Divernon, IL 62530 Full Service B&M $30,914
    United Community Bank 206 East Wood Camp Point, IL 62320 Full Service B&M $39,759
    United Community Bank 21 East Market Winchester, IL 62694 Full Service B&M $21,827
    United Community Bank 2120 North Peoria Road Springfield, IL 62702 Full Service B&M $14,774
    United Community Bank 215 South Morse Street Roodhouse, IL 62082 Full Service B&M $22,219
    United Community Bank 2201 Woodlawn Road, Suite 100 Lincoln, IL 62656 Full Service B&M $25,410
    United Community Bank 2403 Homer Adams Parkway Alton, IL 62002 Full Service B&M $110,629
    United Community Bank 2711 Godfrey Road Godfrey, IL 62035 Full Service B&M $77,032
    United Community Bank 301 North Main Street Chatham, IL 62629 Full Service B&M $208,479
    United Community Bank 301 South Macoupin Street Gillespie, IL 62033 Full Service B&M $61,026
    United Community Bank 3112 Godfrey Road Godfrey, IL 62035 Full Service B&M $41,475
    United Community Bank 3200 West Iles Avenue Springfield, IL 62711 Full Service B&M $39,108
    United Community Bank 321 Quincy Street Golden, IL 62339 Full Service B&M $18,832
    United Community Bank 353 West Bethalto Rd Bethalto, IL 62010 Full Service Retail $24,917
    United Community Bank 402 Main Street Greenfield, IL 62044 Full Service B&M $29,562
    United Community Bank 404 North Broad Street Carlinville, IL 62626 Full Service B&M $14,690
    United Community Bank 410 Buchanan Carthage, IL 62321 Full Service B&M $127,246
    United Community Bank 430 West Jackson Street Macomb, IL 61455 Full Service B&M $42,840
    United Community Bank 507 Main Street Augusta, IL 62311 Full Service B&M $28,735
    United Community Bank 600 West Main St. Mechanicsburg, IL 62545 Full Service B&M $11,853
    United Community Bank 617 Bruns Lane Springfield, IL 62702 Full Service B&M $23,130
    United Community Bank 619 Fifth Street Pawnee, IL 62558 Full Service B&M $67,727
    United Community Bank 700 Stevenson Drive Springfield, IL 62703 Full Service B&M $34,537
    United Community Bank 790 East Jackson Street Auburn, IL 62615 Full Service B&M $54,789
    United Community Bank Route 159 And South Franklin Bunker Hill, IL 62014 Limited, Drive-thru $0
    United Community Bank West Jefferson Street And State Route 4 Auburn, IL 62615 Full Service B&M $12,931

    For 2018, United Community Bank had 40 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $71,105
    Net interest income $60,769
    Total noninterest income $21,066
    Gross Fiduciary activities income $660
    Service charges on deposit accounts $4,531
    Trading account gains and fees $0
    Additional Noninterest Income $15,875
    Pre-tax net operating income $27,403
    Securities gains (or losses, -) $73
    Income before extraordinary items $18,856
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $18,856
    Minority interest net income $0
    Net income $18,856
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $18,798

    United Community Bank's gross interest income from loans was $71,105,000.
    United Community Bank's net interest income from loans was $60,769,000.
    United Community Bank's fee based income from loans was $4,531,000.
    United Community Bank's net income from loans was $18,856,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $10,336
    Provision for credit losses $826
    Total noninterest expense $53,606
    Salaries and employee benefits $28,850
    Premises and equipment expense $8,186
    Additional noninterest expense $16,570
    Applicable income taxes $8,620
    Net charge-offs $1,087
    Cash dividends $35,050

    United Community Bank's interest expense for loans was $10,336,000.
    United Community Bank's payroll and benefits expense were $28,850,000.
    United Community Bank's property, plant and equipment expenses $8,186,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 1.0%
    Real Estate loans 1.0%
    Construction & Land Development loans 4.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 1.0%
    HELOC loans 0.0%
    All other family 1.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $1,739,000
    Deposits held in domestic offices $1,739,000
    Deposits by Individuals, partnerships, and corporations $1,401,168
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $308,560
    Deposits by Commercial banks and other depository institutions in U.S. $29,273
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $171,779
    Demand deposits $147,950
    Nontransaction accounts $1,567,222
    Money market deposit accounts (MMDAs) $376,820
    Other savings deposits (excluding MMDAs) $905,492
    Total time deposits $284,911
    Total time and savings deposits $1,591,051
    Noninterest-bearing deposits $380,685
    Interest-bearing deposits $1,358,315
    Retail deposits $1,651,022
    IRAs and Keogh plan accounts $53,620
    Brokered deposits $40,692
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $2,077,491
    Cash & Balances due from depository institutions $151,994
    Interest-bearing balances $139,635
    Total securities $567,736
    Federal funds sold & reverse repurchase $0
    Net loans and leases $1,247,391
    Loan and leases loss allowance $13,200
    Trading account assets $0
    Bank premises and fixed assets $27,550
    Other real estate owned $3,799
    Goodwill and other intangibles $39,717
    All other assets $39,304

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $2,077,491
    Total Liabilities $1,891,932
    Total deposits $1,739,000
    Interest-bearing deposits $1,358,315
    Deposits held in domestic offices $1,739,000
    % insured (estimated) $84
    Federal funds purchased and repurchase agreements $33,584
    Trading liabilities $0
    Other borrowed funds $108,000
    Subordinated debt $0
    All other liabilities $11,348

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,247,391
    Loan and leases loss allowance $13,200
    Total loans and leases (domestic) $1,260,591
    All real estate loans $864,483
    Real estate loans in domestic offices $864,483
    Construction and development loans $49,026
    Residential 1-4 family construction $15,432
    Other construction, all land development and other land $33,594
    Loans secured by nonfarm nonresidential properties $363,032
    Nonfarm nonresidential secured by owner-occupied properties $302,062
    Commercial real estate & other non-farm, non-residential $60,970
    Multifamily residential real estate $31,863
    1-4 family residential loans $230,239
    Farmland loans $190,323
    Loans held in foreign offices $0
    Farm loans $117,963
    Commercial and industrial loans $204,469
    To non-U.S. addressees $0
    Loans to individuals $30,043
    Credit card loans $1,364
    Related Plans $468
    Consumer Auto Loans $10,593
    Other loans to individuals $17,618
    All other loans & leases $43,633
    Loans to foreign governments and official institutions $0
    Other loans $31,475
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $445
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $6,757
    Non 1-4 family restructured loans & leases $5,281
    Total loans and leases (foreign) $0

    United Community Bank had $1,247,391,000 of loans outstanding in 2018. $864,483,000 of loans were in real estate loans. $49,026,000 of loans were in development loans. $31,863,000 of loans were in multifamily mortgage loans. $230,239,000 of loans were in 1-4 family mortgage loans. $117,963,000 of loans were in farm loans. $1,364,000 of loans were in credit card loans. $10,593,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 598 $90,463 $151,276
    Nonfarm, nonresidential loans - <$100k 240 $10,946 $45,608
    Nonfarm, nonresidential loans - $100-250k 190 $21,091 $111,005
    Nonfarm, nonresidential loans - $250k-1MM 168 $58,426 $347,774
    Commercial & Industrial, US addressed loans - <$1MM 1,178 $82,656 $70,166
    Commercial & Industrial, US addressed loans - <$100k 840 $17,608 $20,962
    Commercial & Industrial, US addressed loans - $100-250k 176 $15,545 $88,324
    Commercial & Industrial, US addressed loans - $250k-1MM 162 $49,503 $305,574
    Farmland loans - <$1MM 662 $81,719 $123,443
    Farmland loans - <$100k 244 $9,702 $39,762
    Farmland loans - $100-250k 257 $30,583 $119,000
    Farmland loans - $250k-1MM 161 $41,434 $257,354
    Agriculture operations loans - <$1MM 1,111 $56,736 $51,068
    Agriculture operations loans - <$100k 844 $18,181 $21,541
    Agriculture operations loans - $100-250k 186 $19,847 $106,704
    Agriculture operations loans - $250k-1MM 81 $18,708 $230,963