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 and Refi 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, Quincy, Fort Madison, and Chicago among others. We have data for 42 markets. (Some data included below & more in-depth data is available with an active subscription.)

    United Community Bank has an above average approval rate when compared to the average across all lenders. They have an above 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% 4/18/24
    30 Year Conventional Purchase 6.73% 4/18/24
    30 Year Conventional Refi 6.69% 4/18/24
    30 Year Cash-out Refi 6.75% 4/18/24
    30 Year FHA Purchase 7.28% 4/18/24
    30 Year FHA Refi 7.03% 4/18/24
    30 Year VA Purchase 6.56% 4/18/24
    30 Year VA Refi 6.27% 4/18/24
    30 Year USDA Purchase 6.66% 4/18/24
    30 Year USDA Refi 6.67% 4/18/24
    15 Year Conventional Purchase 5.99% 4/18/24
    15 Year Conventional Refi 6.04% 4/18/24
    15 Year Cash-out Refi 6.04% 4/18/24
    15 Year FHA Purchase 7.10% 4/18/24
    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

    1,655

    Origination Dollar Volume (All Markets)

    $212,295,000

    Employee count

    607 Show all (27) 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) 727 $98,995,000 $136,169 $1,686 4.05%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 292 $35,470,000 $121,473 $1,874 4.09%
    Quincy, IL-MO (FHA|USDA|VA) 218 $26,100,000 $119,725 $1,944 3.76%
    Outside of Metro Areas 106 $11,500,000 $108,491 $1,981 3.75%
    Fort Madison-Keokuk, IA-IL-MO (FHA|USDA|VA) 107 $10,695,000 $99,953 $1,983 3.95%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 9 $4,745,000 $527,222 $5,285 4.09%
    Hannibal, MO (FHA|USDA|VA) 32 $3,350,000 $104,688 $1,610 3.62%
    Lincoln, IL (FHA|USDA|VA) 26 $2,760,000 $106,154 $2,714 3.77%
    Macomb, IL (FHA|USDA|VA) 33 $2,655,000 $80,455 $1,731 4.32%
    Jacksonville, IL (FHA|USDA|VA) 22 $2,580,000 $117,273 $1,936 3.89%
    PEORIA, IL (FHA|USDA|VA) 11 $1,245,000 $113,182 $2,081 4.30%
    Taylorville, IL (FHA|USDA|VA) 12 $1,220,000 $101,667 $2,030 4.10%
    CARBONDALE-MARION, IL (FHA|USDA|VA) 7 $1,155,000 $165,000 $3,507 3.43%
    BLOOMINGTON, IL (FHA|USDA|VA) 10 $1,050,000 $105,000 $988 4.09%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 2 $820,000 $410,000 $3,947 3.21%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 2 $720,000 $360,000 $2,842 3.81%
    Ottawa, IL (FHA|USDA|VA) 3 $585,000 $195,000 $1,966 4.36%
    PANAMA CITY, FL (FHA|USDA|VA) 2 $520,000 $260,000 $2,014 4.13%
    DECATUR, IL (FHA|USDA|VA) 4 $490,000 $122,500 $2,248 3.72%
    RALEIGH-CARY, NC (FHA|USDA|VA) 1 $445,000 $445,000 $0 4.25%
    Traverse City, MI (FHA|USDA|VA) 1 $445,000 $445,000 $1,119 3.38%
    PUNTA GORDA, FL (FHA|USDA|VA) 1 $425,000 $425,000 $3,781 4.25%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 2 $380,000 $190,000 $3,578 3.88%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 1 $375,000 $375,000 $1,650 4.50%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $325,000 $325,000 $5,830 4.38%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 1 $325,000 $325,000 $0 4.26%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 1 $305,000 $305,000 $0 4.50%
    CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 5 $295,000 $59,000 $651 4.85%
    IOWA CITY, IA (FHA|USDA|VA) 2 $290,000 $145,000 $2,288 3.93%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 1 $285,000 $285,000 $3,498 3.50%
    MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 1 $245,000 $245,000 $3,310 3.75%
    Moberly, MO (FHA|USDA|VA) 1 $195,000 $195,000 $1,557 3.63%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 1 $195,000 $195,000 $2,759 4.00%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 1 $195,000 $195,000 $4,026 3.50%
    DANVILLE, IL (FHA|USDA|VA) 1 $175,000 $175,000 $5,070 4.38%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 1 $145,000 $145,000 $1,637 3.25%
    ST. JOSEPH, MO-KS (FHA|USDA|VA) 1 $145,000 $145,000 $0 3.88%
    Galesburg, IL (FHA|USDA|VA) 1 $135,000 $135,000 $4,191 3.88%
    Austin, MN (FHA|USDA|VA) 1 $135,000 $135,000 $2,653 3.75%
    Burlington, IA-IL (FHA|USDA|VA) 2 $80,000 $40,000 $1,263 3.69%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 1 $65,000 $65,000 $0 5.00%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $35,000 $35,000 $240 5.25%
    United Community Bank's top markets include Springfield, St. Louis, Quincy, Fort Madison, and Chicago among others.

    Their top states include:
  • Illinois (FHA|USDA|VA)
  • Missouri (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Iowa (FHA|USDA|VA)
  • Texas (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.

    Liberty Bank for Savings
    Similarity Rank: 85
    First Bankers Trust Company
    Similarity Rank: 117
    HEARTLAND
    Similarity Rank: 182
    WEST COMMUNITY
    Similarity Rank: 190
    IOWA BANKERS MORTGAGE CORPORATION
    Similarity Rank: 192
    United Bank of Union
    Similarity Rank: 275
    D.W. BROWN MORTGAGE CORP.
    Similarity Rank: 302
    EDUCATORS CREDIT UNION
    Similarity Rank: 352
    ELECTRO SAVINGS CREDIT UNION
    Similarity Rank: 396
    Dieterich Bank
    Similarity Rank: 442

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,528 $198,580,000 $129,961 $1,733 4.03%
    USDA 64 $5,390,000 $84,219 $2,435 3.55%
    VA 41 $5,725,000 $139,634 $3,484 3.44%
    FHA 21 $2,275,000 $108,333 $4,613 3.40%
    HELOC 1 $325,000 $325,000 n/a 4.26%

    For 2019, United Community Bank's most frequently originated type of loan was Conventional, with 1,528 originations. Their 2nd most popular type was USDA, with 64 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 835 $114,075,000 $136,617 $2,126 3.93%
    Refi 448 $64,570,000 $144,129 $1,508 3.84%
    Cash Out Refi 219 $26,775,000 $122,260 $2,333 3.74%
    Home Improvement 94 $3,690,000 $39,255 $633 5.02%
    Other 58 $2,940,000 $50,690 $658 5.11%
    NA 1 $245,000 $245,000 $2,471 4.00%

    For 2019, United Community Bank's most frequently cited loan purpose was Home Purchase, with 835 originations. The 2nd most popular reason was Refi, with 448 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 818 $122,370,000 $149,597 $2,257 3.83%
    15 Year 378 $44,370,000 $117,381 $1,585 3.54%
    10 Year 113 $7,785,000 $68,894 $1,033 4.39%
    5 Year 112 $10,190,000 $90,982 $373 5.18%
    20 Year 107 $13,025,000 $121,729 $1,962 3.95%
    Other 97 $10,155,000 $104,691 $757 4.91%
    1 Year 22 $3,930,000 $178,636 $963 5.19%
    3 Year 7 $325,000 $46,429 $318 5.00%
    30+ year 1 $145,000 $145,000 $1,533 4.75%

    For 2019, United Community Bank's most frequently cited loan duration was 30 Year, with 818 originations. The 2nd most popular length was 15 Year, with 378 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,058 $113,390,000 $107,174
    $1k-2k 292 $48,030,000 $164,486
    $2k-3k 92 $17,800,000 $193,478
    $3k-4k 26 $5,030,000 $193,462
    $4k-5k 14 $4,160,000 $297,143
    $5k+ 9 $2,945,000 $327,222

    United Community Bank's average total fees were $2,257, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,058 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 881 $123,765,000 $140,482
    4-5% 381 $55,945,000 $146,837
    5-6% 241 $17,105,000 $70,975
    2.5-3% 127 $14,275,000 $112,402
    <2.5% 18 $960,000 $53,333
    6-7% 7 $245,000 $35,000

    During 2019, United Community Bank's average interest rate for loans was 3.83%, while their most frequently originated rate bucket for loans was 3-4%, with 881 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 805 $46,085,000 $57,248 $1,340 4.16%
    $100k-200k 572 $81,630,000 $142,710 $2,175 3.77%
    $200k-400k 244 $64,840,000 $265,738 $2,511 3.88%
    $400k-600k 26 $11,590,000 $445,769 $2,898 3.95%
    $600k-1MM 6 $4,440,000 $740,000 $2,835 4.81%
    $1MM+ 2 $3,710,000 $1,855,000 $0 5.00%

    2019 saw United Community Bank place emphasis on $100,000 or less loans with 805 originations, totaling $46,085,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 395 $40,285,000 $101,987 $1,798 3.97%
    $50k or less 379 $26,965,000 $71,148 $1,620 3.77%
    $100k-150k 329 $53,065,000 $161,292 $2,003 3.97%
    $75k-100k 263 $31,655,000 $120,361 $1,966 3.97%
    $150k-250k 162 $30,930,000 $190,926 $1,971 4.14%
    $250k+ 65 $18,775,000 $288,846 $2,158 4.05%

    United Community Bank lent most frequently to those with incomes in the $50k-75k range, with 395 originations. The second most popular income band? $50k or less, with 379 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 525 $64,345,000 $122,562 $1,858 3.88%
    30-36% 342 $46,320,000 $135,439 $1,924 3.95%
    <20% 251 $31,605,000 $125,916 $1,577 3.87%
    38% 63 $7,545,000 $119,762 $1,688 4.13%
    40% 61 $6,565,000 $107,623 $1,897 4.03%
    36% 57 $6,445,000 $113,070 $1,949 3.99%
    39% 54 $5,880,000 $108,889 $1,997 4.14%
    41% 51 $5,825,000 $114,216 $1,926 4.03%
    37% 51 $7,215,000 $141,471 $1,534 4.04%
    42% 38 $5,280,000 $138,947 $1,750 4.20%
    43% 21 $2,795,000 $133,095 $2,174 3.95%
    44% 17 $2,165,000 $127,353 $3,122 3.71%
    46% 13 $1,645,000 $126,538 $1,829 3.72%
    47% 11 $1,525,000 $138,636 $2,590 3.78%
    49% 10 $1,380,000 $138,000 $2,637 3.60%
    45% 8 $1,170,000 $146,250 $2,440 3.70%
    48% 8 $1,310,000 $163,750 $2,061 4.08%
    >60% 5 $575,000 $115,000 $929 5.25%
    50-60% 3 $365,000 $121,667 $3,245 5.17%

    United Community Bank lent most frequently to those with DTI ratios of 20-30%, with 525 originations. The next most common DTI ratio? 30-36%, with 342 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,515 $191,425,000 $126,353 $1,845 3.93%
    Not applicable 58 $10,150,000 $175,000 $1,676 5.09%
    Not provided 41 $5,155,000 $125,732 $1,933 4.26%
    Asian 18 $3,400,000 $188,889 $2,278 3.94%
    Black 13 $1,175,000 $90,385 $2,166 4.03%
    American Indian 9 $815,000 $90,556 $1,294 4.13%
    Vietnamese 1 $175,000 $175,000 $4,309 4.13%

    Approval Rates

    Total approvals of all applications
    93.04%

    United Community Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    91.42%

    United Community Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,655 $212,295,000 $128,275

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 5 $665,000 $133,000
    Single Family (1-4 Units):Manufactured 14 $1,410,000 $100,714
    Single Family (1-4 Units):Site-Built 1,636 $210,220,000 $128,496

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 116 $6,810,000 $58,707 $1,028 4.24%
    40-60% 175 $18,745,000 $107,114 $1,496 3.80%
    60-80% 598 $91,430,000 $152,893 $2,071 3.84%
    80-100% 622 $90,060,000 $144,791 $2,212 3.86%
    Over 100% 6 $1,100,000 $183,333 $5,301 3.71%
    Under 20% 136 $3,610,000 $26,544 $379 5.20%

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    UNITED COMMUNITY BANK Conventional home mortgage Struggling to pay mortgage 1 100.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    United Community Bank 1 Professional Plaza Pittsfield, IL 62363 Full Service B&M $50,794
    United Community Bank 101 N. 36th Street Quincy, IL 62301 Full Service B&M $12,002
    United Community Bank 101-103 East Main Street Mount Sterling, IL 62353 Full Service B&M $41,311
    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 $20,682
    United Community Bank 109 East Depot Street Colchester, IL 62326 Full Service B&M $15,767
    United Community Bank 1111 Broadway Hamilton, IL 62341 Full Service B&M $41,465
    United Community Bank 120 Governor Oglesby Street Elkhart, IL 62634 Full Service B&M $7,446
    United Community Bank 120 Illini Boulevard Sherman, IL 62684 Full Service B&M $33,977
    United Community Bank 120 South Chatham Road Springfield, IL 62704 Full Service B&M $40,951
    United Community Bank 123 West Lafayette Palmyra, MO 63461 Full Service B&M $22,168
    United Community Bank 129 North Washington Bunker Hill, IL 62014 Full Service B&M $46,057
    United Community Bank 1700 East Jackson Street Macomb, IL 61455 Full Service B&M $3,948
    United Community Bank 190 East Hurst Bushnell, IL 61422 Full Service B&M $15,300
    United Community Bank 1900 West Iles Avenue Springfield, IL 62704 Full Service B&M $208,499
    United Community Bank 200 North 33rd Street Quincy, IL 62301 Full Service B&M $197,245
    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 $36,829
    United Community Bank 2001 Maine Street Quincy, IL 62301 Full Service B&M $29,677
    United Community Bank 206 East Wood Camp Point, IL 62320 Full Service B&M $39,162
    United Community Bank 21 East Market Winchester, IL 62694 Full Service B&M $21,923
    United Community Bank 2120 North Peoria Road Springfield, IL 62702 Full Service B&M $15,988
    United Community Bank 215 South Morse Street Roodhouse, IL 62082 Full Service B&M $21,861
    United Community Bank 2201 Woodlawn Road, Suite 100 Lincoln, IL 62656 Full Service B&M $23,065
    United Community Bank 2403 Homer Adams Parkway Alton, IL 62002 Full Service B&M $164,149
    United Community Bank 2711 Godfrey Road Godfrey, IL 62035 Full Service B&M $72,625
    United Community Bank 301 North Main Street Chatham, IL 62629 Full Service B&M $275,604
    United Community Bank 301 South Macoupin Street Gillespie, IL 62033 Full Service B&M $64,537
    United Community Bank 3112 Godfrey Road Godfrey, IL 62035 Full Service B&M $36,784
    United Community Bank 3200 West Iles Avenue Springfield, IL 62711 Full Service B&M $42,727
    United Community Bank 321 Quincy Street Golden, IL 62339 Full Service B&M $18,501
    United Community Bank 353 West Bethalto Rd Bethalto, IL 62010 Full Service Retail $27,386
    United Community Bank 402 Main Street Greenfield, IL 62044 Full Service B&M $31,011
    United Community Bank 404 North Broad Street Carlinville, IL 62626 Full Service B&M $17,756
    United Community Bank 410 Buchanan Carthage, IL 62321 Full Service B&M $133,587
    United Community Bank 430 West Jackson Street Macomb, IL 61455 Full Service B&M $42,459
    United Community Bank 440 Maine Street Quincy, IL 62301 Full Service B&M $23,045
    United Community Bank 507 Main Street Augusta, IL 62311 Full Service B&M $26,627
    United Community Bank 5211 Broadway Street Quincy, IL 62301 Full Service Retail $11,201
    United Community Bank 600 West Main St. Mechanicsburg, IL 62545 Full Service B&M $12,354
    United Community Bank 617 Bruns Lane Springfield, IL 62702 Full Service B&M $23,428
    United Community Bank 619 Fifth Street Pawnee, IL 62558 Full Service B&M $69,250
    United Community Bank 700 Stevenson Drive Springfield, IL 62703 Full Service B&M $39,900
    United Community Bank 790 East Jackson Street Auburn, IL 62615 Full Service B&M $53,871
    United Community Bank Eighth And Jersey Streets Quincy, IL 62301 Limited, Drive-thru $16
    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 $12,633

    For 2019, United Community Bank had 47 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $94,511
    Net interest income $75,013
    Total noninterest income $26,487
    Gross Fiduciary activities income $2,467
    Service charges on deposit accounts $5,004
    Trading account gains and fees $0
    Additional Noninterest Income $19,016
    Pre-tax net operating income $33,298
    Securities gains (or losses, -) $564
    Income before extraordinary items $27,190
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $27,190
    Minority interest net income $0
    Net income $27,190
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $26,738

    United Community Bank's gross interest income from loans was $94,511,000.
    United Community Bank's net interest income from loans was $75,013,000.
    United Community Bank's fee based income from loans was $5,004,000.
    United Community Bank's net income from loans was $27,190,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $19,498
    Provision for credit losses $3,650
    Total noninterest expense $64,552
    Salaries and employee benefits $34,295
    Premises and equipment expense $10,042
    Additional noninterest expense $20,215
    Applicable income taxes $6,672
    Net charge-offs $4,495
    Cash dividends $8,630

    United Community Bank's interest expense for loans was $19,498,000.
    United Community Bank's payroll and benefits expense were $34,295,000.
    United Community Bank's property, plant and equipment expenses $10,042,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 1.0%
    Real Estate loans 2.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 1.0%
    Multifamily residential loans 4.0%
    1-4 family residential loans 2.0%
    HELOC loans 0.0%
    All other family 3.0%
    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 $2,210,583
    Deposits held in domestic offices $2,210,583
    Deposits by Individuals, partnerships, and corporations $1,780,079
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $394,332
    Deposits by Commercial banks and other depository institutions in U.S. $36,172
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $229,035
    Demand deposits $199,808
    Nontransaction accounts $1,981,548
    Money market deposit accounts (MMDAs) $396,529
    Other savings deposits (excluding MMDAs) $1,156,039
    Total time deposits $428,981
    Total time and savings deposits $2,010,775
    Noninterest-bearing deposits $485,509
    Interest-bearing deposits $1,725,074
    Retail deposits $2,071,405
    IRAs and Keogh plan accounts $69,623
    Brokered deposits $63,681
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $2,663,225
    Cash & Balances due from depository institutions $307,272
    Interest-bearing balances $278,821
    Total securities $680,135
    Federal funds sold & reverse repurchase $0
    Net loans and leases $1,533,391
    Loan and leases loss allowance $15,498
    Trading account assets $0
    Bank premises and fixed assets $34,427
    Other real estate owned $5,645
    Goodwill and other intangibles $41,833
    All other assets $60,522

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $2,663,225
    Total Liabilities $2,406,643
    Total deposits $2,210,583
    Interest-bearing deposits $1,725,074
    Deposits held in domestic offices $2,210,583
    % insured (estimated) $84
    Federal funds purchased and repurchase agreements $61,271
    Trading liabilities $0
    Other borrowed funds $119,000
    Subordinated debt $0
    All other liabilities $15,789

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,533,391
    Loan and leases loss allowance $15,498
    Total loans and leases (domestic) $1,548,889
    All real estate loans $1,001,580
    Real estate loans in domestic offices $1,001,580
    Construction and development loans $78,648
    Residential 1-4 family construction $14,908
    Other construction, all land development and other land $63,740
    Loans secured by nonfarm nonresidential properties $412,390
    Nonfarm nonresidential secured by owner-occupied properties $349,998
    Commercial real estate & other non-farm, non-residential $62,392
    Multifamily residential real estate $29,235
    1-4 family residential loans $282,741
    Farmland loans $198,566
    Loans held in foreign offices $0
    Farm loans $119,359
    Commercial and industrial loans $284,882
    To non-U.S. addressees $0
    Loans to individuals $50,993
    Credit card loans $2,057
    Related Plans $558
    Consumer Auto Loans $25,799
    Other loans to individuals $22,579
    All other loans & leases $92,075
    Loans to foreign governments and official institutions $0
    Other loans $49,571
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $321
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $8,857
    Non 1-4 family restructured loans & leases $6,290
    Total loans and leases (foreign) $0

    United Community Bank had $1,533,391,000 of loans outstanding in 2019. $1,001,580,000 of loans were in real estate loans. $78,648,000 of loans were in development loans. $29,235,000 of loans were in multifamily mortgage loans. $282,741,000 of loans were in 1-4 family mortgage loans. $119,359,000 of loans were in farm loans. $2,057,000 of loans were in credit card loans. $25,799,000 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 621 $95,888 $154,409
    Nonfarm, nonresidential loans - <$100k 240 $11,991 $49,963
    Nonfarm, nonresidential loans - $100-250k 200 $20,975 $104,875
    Nonfarm, nonresidential loans - $250k-1MM 181 $62,922 $347,635
    Commercial & Industrial, US addressed loans - <$1MM 1,700 $106,418 $62,599
    Commercial & Industrial, US addressed loans - <$100k 1,224 $26,364 $21,539
    Commercial & Industrial, US addressed loans - $100-250k 283 $22,958 $81,124
    Commercial & Industrial, US addressed loans - $250k-1MM 193 $57,096 $295,834
    Farmland loans - <$1MM 707 $82,235 $116,315
    Farmland loans - <$100k 268 $10,417 $38,869
    Farmland loans - $100-250k 273 $31,278 $114,571
    Farmland loans - $250k-1MM 166 $40,540 $244,217
    Agriculture operations loans - <$1MM 1,156 $57,971 $50,148
    Agriculture operations loans - <$100k 887 $19,347 $21,812
    Agriculture operations loans - $100-250k 183 $19,632 $107,279
    Agriculture operations loans - $250k-1MM 86 $18,992 $220,837