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 Refi and 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, Quincy, Fort Madison, and Chicago among others. We have data for 68 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 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% 11/21/24
    30 Year Conventional Purchase 6.73% 11/21/24
    30 Year Conventional Refi 6.69% 11/21/24
    30 Year Cash-out Refi 6.75% 11/21/24
    30 Year FHA Purchase 7.28% 11/21/24
    30 Year FHA Refi 7.03% 11/21/24
    30 Year VA Purchase 6.56% 11/21/24
    30 Year VA Refi 6.27% 11/21/24
    30 Year USDA Purchase 6.66% 11/21/24
    30 Year USDA Refi 6.67% 11/21/24
    15 Year Conventional Purchase 5.99% 11/21/24
    15 Year Conventional Refi 6.04% 11/21/24
    15 Year Cash-out Refi 6.04% 11/21/24
    15 Year FHA Purchase 7.10% 11/21/24
    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

    3,744

    Origination Dollar Volume (All Markets)

    $543,500,000

    Employee count

    589 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) 1,574 $252,130,000 $160,184 $1,445 2.81%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 702 $100,900,000 $143,732 $1,581 2.80%
    Quincy, IL-MO (FHA|USDA|VA) 514 $65,000,000 $126,459 $1,464 2.94%
    Outside of Metro Areas 271 $31,255,000 $115,332 $1,698 2.92%
    Fort Madison-Keokuk, IA-IL-MO (FHA|USDA|VA) 213 $23,585,000 $110,728 $1,677 2.79%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 54 $10,890,000 $201,667 $2,051 2.64%
    Hannibal, MO (FHA|USDA|VA) 43 $6,875,000 $159,884 $1,468 2.78%
    Lincoln, IL (FHA|USDA|VA) 57 $6,755,000 $118,509 $1,880 2.90%
    Macomb, IL (FHA|USDA|VA) 61 $5,265,000 $86,311 $1,640 2.79%
    Taylorville, IL (FHA|USDA|VA) 43 $5,075,000 $118,023 $1,384 2.72%
    Jacksonville, IL (FHA|USDA|VA) 42 $4,760,000 $113,333 $1,430 2.94%
    BLOOMINGTON, IL (FHA|USDA|VA) 31 $4,605,000 $148,548 $1,332 2.73%
    CARBONDALE-MARION, IL (FHA|USDA|VA) 18 $2,670,000 $148,333 $2,032 2.75%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 5 $1,835,000 $367,000 $4,208 3.06%
    PEORIA, IL (FHA|USDA|VA) 16 $1,750,000 $109,375 $1,561 2.97%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 4 $1,750,000 $437,500 $2,316 2.84%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 6 $1,730,000 $288,333 $2,430 2.90%
    DECATUR, IL (FHA|USDA|VA) 9 $1,205,000 $133,889 $2,058 2.79%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 2 $900,000 $450,000 $3,360 3.49%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 3 $755,000 $251,667 $2,293 3.02%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 2 $740,000 $370,000 $1,767 2.28%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 2 $650,000 $325,000 $3,032 2.83%
    ROCKFORD, IL (FHA|USDA|VA) 4 $640,000 $160,000 $5,461 2.75%
    CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 6 $620,000 $103,333 $1,118 2.55%
    Maryville, MO (FHA|USDA|VA) 4 $620,000 $155,000 $3,207 2.67%
    Sterling, IL (FHA|USDA|VA) 3 $615,000 $205,000 $2,091 2.58%
    ST. JOSEPH, MO-KS (FHA|USDA|VA) 4 $520,000 $130,000 $1,915 3.19%
    COLUMBIA, MO (FHA|USDA|VA) 1 $505,000 $505,000 $1,318 3.13%
    SAVANNAH, GA (FHA|USDA|VA) 1 $445,000 $445,000 $3,853 2.60%
    PANAMA CITY, FL (FHA|USDA|VA) 1 $435,000 $435,000 $3,754 2.63%
    PUNTA GORDA, FL (FHA|USDA|VA) 1 $425,000 $425,000 $2,481 2.63%
    Traverse City, MI (FHA|USDA|VA) 1 $405,000 $405,000 $2,649 2.38%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $375,000 $375,000 $3,869 2.88%
    Paducah, KY-IL (FHA|USDA|VA) 3 $355,000 $118,333 $1,927 2.98%
    Effingham, IL (FHA|USDA|VA) 2 $350,000 $175,000 $1,860 2.45%
    Fairfield, IA (FHA|USDA|VA) 1 $295,000 $295,000 $1,646 2.68%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 1 $285,000 $285,000 $2,659 2.75%
    KANKAKEE, IL (FHA|USDA|VA) 2 $280,000 $140,000 $2,060 2.68%
    Rochelle, IL (FHA|USDA|VA) 2 $280,000 $140,000 $5,220 2.81%
    FLAGSTAFF, AZ (FHA|USDA|VA) 1 $275,000 $275,000 $3,948 2.45%
    DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 3 $265,000 $88,333 $1,710 3.08%
    DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 1 $265,000 $265,000 $1,009 2.40%
    Dixon, IL (FHA|USDA|VA) 2 $260,000 $130,000 $2,182 2.55%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 1 $255,000 $255,000 $2,470 3.38%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 1 $255,000 $255,000 $1,350 2.98%
    Ottawa, IL (FHA|USDA|VA) 2 $230,000 $115,000 $4,007 2.88%
    Heber, UT (FHA|USDA|VA) 1 $215,000 $215,000 $0 3.75%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 1 $205,000 $205,000 $4,669 2.13%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $195,000 $195,000 $2,425 2.33%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 1 $195,000 $195,000 $6,311 3.13%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 1 $185,000 $185,000 $2,451 2.05%
    LINCOLN, NE (FHA|USDA|VA) 1 $185,000 $185,000 $1,417 2.88%
    LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 1 $165,000 $165,000 $1,174 2.85%
    MONROE, MI (FHA|USDA|VA) 1 $155,000 $155,000 $2,075 2.88%
    TUCSON, AZ (FHA|USDA|VA) 1 $155,000 $155,000 $1,370 2.28%
    DANVILLE, IL (FHA|USDA|VA) 1 $155,000 $155,000 $1,337 2.43%
    Fort Payne, AL (FHA|USDA|VA) 1 $155,000 $155,000 $2,363 2.65%
    Branson, MO (FHA|USDA|VA) 2 $150,000 $75,000 $1,338 3.06%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 1 $145,000 $145,000 $2,009 2.83%
    GREENVILLE, NC (FHA|USDA|VA) 1 $125,000 $125,000 $2,440 2.40%
    Lewisburg, TN (FHA|USDA|VA) 1 $125,000 $125,000 $2,365 2.38%
    Pontiac, IL (FHA|USDA|VA) 1 $125,000 $125,000 $1,784 3.00%
    Martin, TN (FHA|USDA|VA) 1 $115,000 $115,000 $2,241 2.80%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 1 $115,000 $115,000 $0 2.83%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $105,000 $105,000 $1,738 2.40%
    Centralia, IL (FHA|USDA|VA) 1 $95,000 $95,000 $1,550 2.90%
    Burlington, IA-IL (FHA|USDA|VA) 1 $55,000 $55,000 $1,376 2.50%
    Charleston-Mattoon, IL (FHA|USDA|VA) 1 $45,000 $45,000 $1,553 2.90%
    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)
  • Arizona (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.

    First Bankers Trust Company
    Similarity Rank: 184
    HNB National Bank
    Similarity Rank: 240
    United Bank of Union
    Similarity Rank: 245
    HEARTLAND
    Similarity Rank: 250
    Morton Community Bank
    Similarity Rank: 306
    Liberty Bank for Savings
    Similarity Rank: 312
    Glenview State Bank
    Similarity Rank: 312
    CapGrow Home Mortgage, LLC
    Similarity Rank: 352
    IOWA BANKERS MORTGAGE CORPORATION
    Similarity Rank: 426
    D.W. BROWN MORTGAGE CORP.
    Similarity Rank: 428

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 3,538 $520,390,000 $147,086 $1,432 2.83%
    USDA 115 $10,585,000 $92,043 $2,427 2.79%
    FHA 49 $5,625,000 $114,796 $4,717 2.87%
    VA 39 $6,705,000 $171,923 $5,620 2.83%
    HELOC 3 $195,000 $65,000 n/a 4.15%

    For 2020, United Community Bank's most frequently originated type of loan was Conventional, with 3,538 originations. Their 2nd most popular type was USDA, with 115 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 1,893 $295,265,000 $155,977 $1,289 2.68%
    Home Purchase 981 $135,645,000 $138,272 $2,095 3.05%
    Cash Out Refi 716 $101,910,000 $142,332 $1,744 2.73%
    Home Improvement 116 $7,030,000 $60,603 $727 3.94%
    Other 38 $3,650,000 $96,053 $1,049 3.48%

    For 2020, United Community Bank's most frequently cited loan purpose was Refi, with 1,893 originations. The 2nd most popular reason was Home Purchase, with 981 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,507 $242,805,000 $161,118 $1,933 2.94%
    15 Year 1,166 $167,050,000 $143,268 $1,323 2.51%
    20 Year 418 $64,520,000 $154,354 $1,447 2.84%
    10 Year 337 $35,025,000 $103,932 $1,185 2.52%
    Other 177 $21,965,000 $124,096 $984 3.57%
    5 Year 89 $6,665,000 $74,888 $348 4.26%
    1 Year 42 $4,970,000 $118,333 $774 3.94%
    3 Year 8 $500,000 $62,500 $202 4.03%

    For 2020, United Community Bank's most frequently cited loan duration was 30 Year, with 1,507 originations. The 2nd most popular length was 15 Year, with 1,166 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 3,057 $431,895,000 $141,281
    $1k-2k 321 $56,325,000 $175,467
    $2k-3k 77 $17,155,000 $222,792
    $3k-4k 35 $9,345,000 $267,000
    $4k-5k 13 $3,675,000 $282,692
    $5k+ 6 $1,590,000 $265,000

    United Community Bank's average total fees were $1,933, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 3,057 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 1,455 $230,035,000 $158,100
    <2.5% 1,348 $191,310,000 $141,921
    3-4% 756 $107,200,000 $141,799
    4-5% 163 $13,265,000 $81,380
    5-6% 22 $1,690,000 $76,818

    During 2020, United Community Bank's average interest rate for loans was 2.94%, while their most frequently originated rate bucket for loans was 2.5-3%, with 1,455 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 1,599 $227,395,000 $142,211 $1,554 2.74%
    $100,000 or less 1,317 $84,345,000 $64,043 $1,327 2.98%
    $200k-400k 753 $196,715,000 $261,242 $1,840 2.76%
    $400k-600k 72 $33,080,000 $459,444 $2,442 2.90%
    $600k-1MM 3 $1,965,000 $655,000 $1,560 3.75%

    2020 saw United Community Bank place emphasis on $100k-200k loans with 1,599 originations, totaling $227,395,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 937 $159,575,000 $170,304 $1,571 2.79%
    $50k-75k 788 $86,300,000 $109,518 $1,498 2.88%
    $75k-100k 670 $91,100,000 $135,970 $1,531 2.76%
    $50k or less 667 $53,705,000 $80,517 $1,570 2.84%
    $150k-250k 465 $102,195,000 $219,774 $1,611 2.74%
    $250k+ 137 $40,285,000 $294,051 $1,736 2.90%

    United Community Bank lent most frequently to those with incomes in the $100k-150k range, with 937 originations. The second most popular income band? $50k-75k, with 788 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 1,350 $200,270,000 $148,348 $1,540 2.75%
    30-36% 735 $109,775,000 $149,354 $1,594 2.83%
    <20% 727 $102,855,000 $141,479 $1,389 2.74%
    41% 107 $16,385,000 $153,131 $1,952 2.89%
    38% 107 $14,555,000 $136,028 $1,427 2.83%
    36% 98 $13,600,000 $138,776 $1,630 2.81%
    37% 97 $14,215,000 $146,546 $1,572 2.88%
    39% 91 $13,655,000 $150,055 $1,569 2.82%
    40% 85 $12,115,000 $142,529 $1,671 2.97%
    42% 65 $8,605,000 $132,385 $1,709 2.89%
    43% 54 $7,670,000 $142,037 $1,722 2.81%
    44% 42 $5,990,000 $142,619 $1,634 2.91%
    45% 23 $3,535,000 $153,696 $1,992 2.65%
    46% 17 $2,415,000 $142,059 $2,697 2.95%
    47% 14 $2,220,000 $158,571 $2,274 2.91%
    48% 11 $1,815,000 $165,000 $1,846 2.61%
    49% 9 $1,365,000 $151,667 $1,770 2.83%
    >60% 6 $770,000 $128,333 $1,103 3.80%
    50-60% 3 $375,000 $125,000 $2,164 2.42%

    United Community Bank lent most frequently to those with DTI ratios of 20-30%, with 1,350 originations. The next most common DTI ratio? 30-36%, with 735 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 3,487 $502,885,000 $144,217 $1,555 2.81%
    Not provided 79 $13,075,000 $165,506 $1,506 2.91%
    Asian 51 $9,975,000 $195,588 $1,567 2.63%
    Not applicable 58 $6,740,000 $116,207 $0 4.32%
    Black 35 $5,605,000 $160,143 $1,872 3.07%
    American Indian 30 $4,540,000 $151,333 $1,508 2.80%
    Native Hawaiian or Islander 3 $625,000 $208,333 $1,341 2.23%
    Other Asian 1 $55,000 $55,000 $1,509 2.08%

    Approval Rates

    Total approvals of all applications
    92.82%

    United Community Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    86.89%

    United Community Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    252.0 1 $15,000 $15,000
    NA 3,743 $543,485,000 $145,200

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 10 $3,120,000 $312,000
    Single Family (1-4 Units):Manufactured 15 $1,225,000 $81,667
    Single Family (1-4 Units):Site-Built 3,719 $539,155,000 $144,973

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 222 $16,780,000 $75,586 $1,075 2.93%
    40-60% 616 $78,690,000 $127,744 $1,267 2.60%
    60-80% 1,699 $274,035,000 $161,292 $1,490 2.79%
    80-100% 1,107 $169,465,000 $153,085 $1,970 2.89%
    Over 100% 7 $1,205,000 $172,143 $5,861 2.93%
    Under 20% 93 $3,325,000 $35,753 $479 4.13%

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    UNITED COMMUNITY BANK Conventional home mortgage Trouble during payment process 3 50.0%
    UNITED COMMUNITY BANK Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 16.7%
    UNITED COMMUNITY BANK Conventional home mortgage Closing on a mortgage 1 16.7%
    UNITED COMMUNITY BANK Home equity loan or line of credit (HELOC) Incorrect information on your report 1 16.7%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    United Community Bank 21 East Market Winchester, IL 62694 Full Service B&M $25,076
    United Community Bank 1 Professional Plaza Pittsfield, IL 62363 Full Service B&M $56,173
    United Community Bank 101 N. 36th Street Quincy, IL 62301 Full Service B&M $14,686
    United Community Bank 101-103 East Main Street Mount Sterling, IL 62353 Full Service B&M $49,546
    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 $21,885
    United Community Bank 109 East Depot Street Colchester, IL 62326 Full Service B&M $16,589
    United Community Bank 1111 Broadway Hamilton, IL 62341 Full Service B&M $53,140
    United Community Bank 120 Governor Oglesby Street Elkhart, IL 62634 Full Service B&M $8,444
    United Community Bank 120 Illini Boulevard Sherman, IL 62684 Full Service B&M $40,369
    United Community Bank 120 South Chatham Road Springfield, IL 62704 Full Service B&M $43,665
    United Community Bank 123 West Lafayette Palmyra, MO 63461 Full Service B&M $23,761
    United Community Bank 129 North Washington Bunker Hill, IL 62014 Full Service B&M $55,233
    United Community Bank 1700 East Jackson Street Macomb, IL 61455 Full Service B&M $4,492
    United Community Bank 190 East Hurst Bushnell, IL 61422 Full Service B&M $18,205
    United Community Bank 1900 West Iles Avenue Springfield, IL 62704 Full Service B&M $249,987
    United Community Bank 200 North 33rd Street Quincy, IL 62301 Full Service B&M $247,150
    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 $41,679
    United Community Bank 206 East Wood Camp Point, IL 62320 Full Service B&M $41,866
    United Community Bank 2120 North Peoria Road Springfield, IL 62702 Full Service B&M $19,600
    United Community Bank 215 South Morse Street Roodhouse, IL 62082 Full Service B&M $24,777
    United Community Bank 2201 Woodlawn Road, Suite 100 Lincoln, IL 62656 Full Service B&M $23,914
    United Community Bank 2403 Homer Adams Parkway Alton, IL 62002 Full Service B&M $130,654
    United Community Bank 2711 Godfrey Road Godfrey, IL 62035 Full Service B&M $109,479
    United Community Bank 301 North Main Street Chatham, IL 62629 Full Service B&M $308,738
    United Community Bank 301 South Macoupin Street Gillespie, IL 62033 Full Service B&M $75,292
    United Community Bank 3112 Godfrey Road Godfrey, IL 62035 Full Service B&M $45,001
    United Community Bank 3200 West Iles Avenue Springfield, IL 62711 Full Service B&M $47,162
    United Community Bank 321 Quincy Street Golden, IL 62339 Full Service B&M $21,345
    United Community Bank 353 West Bethalto Rd Bethalto, IL 62010 Full Service Retail $32,647
    United Community Bank 402 Main Street Greenfield, IL 62044 Full Service B&M $35,900
    United Community Bank 404 North Broad Street Carlinville, IL 62626 Full Service B&M $29,694
    United Community Bank 410 Buchanan Carthage, IL 62321 Full Service B&M $161,633
    United Community Bank 430 West Jackson Street Macomb, IL 61455 Full Service B&M $45,975
    United Community Bank 440 Maine Street Quincy, IL 62301 Full Service B&M $27,120
    United Community Bank 507 Main Street Augusta, IL 62311 Full Service B&M $30,458
    United Community Bank 5211 Broadway Street Quincy, IL 62301 Full Service Retail $12,804
    United Community Bank 600 West Main St. Mechanicsburg, IL 62545 Full Service B&M $12,373
    United Community Bank 617 Bruns Lane Springfield, IL 62702 Full Service B&M $30,810
    United Community Bank 619 Fifth Street Pawnee, IL 62558 Full Service B&M $81,008
    United Community Bank 700 Stevenson Drive Springfield, IL 62703 Full Service B&M $50,302
    United Community Bank 790 East Jackson Street Auburn, IL 62615 Full Service B&M $60,180
    United Community Bank Eighth And Jersey Streets Quincy, IL 62301 Limited, Drive-thru $33
    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 $21,694

    For 2020, United Community Bank had 46 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $88,323
    Net interest income $72,741
    Total noninterest income $34,130
    Gross Fiduciary activities income $2,439
    Service charges on deposit accounts $3,816
    Trading account gains and fees $0
    Additional Noninterest Income $27,875
    Pre-tax net operating income $33,447
    Securities gains (or losses, -) $573
    Income before extraordinary items $27,491
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $27,491
    Minority interest net income $0
    Net income $27,491
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $27,026

    United Community Bank's gross interest income from loans was $88,323,000.
    United Community Bank's net interest income from loans was $72,741,000.
    United Community Bank's fee based income from loans was $3,816,000.
    United Community Bank's net income from loans was $27,491,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $15,582
    Provision for credit losses $9,386
    Total noninterest expense $64,038
    Salaries and employee benefits $35,589
    Premises and equipment expense $9,503
    Additional noninterest expense $18,946
    Applicable income taxes $6,529
    Net charge-offs $2,520
    Cash dividends $11,010

    United Community Bank's interest expense for loans was $15,582,000.
    United Community Bank's payroll and benefits expense were $35,589,000.
    United Community Bank's property, plant and equipment expenses $9,503,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 1.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 1.0%
    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 $2,643,931
    Deposits held in domestic offices $2,643,931
    Deposits by Individuals, partnerships, and corporations $2,107,534
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $493,171
    Deposits by Commercial banks and other depository institutions in U.S. $43,227
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $298,909
    Demand deposits $265,411
    Nontransaction accounts $2,345,023
    Money market deposit accounts (MMDAs) $457,330
    Other savings deposits (excluding MMDAs) $1,489,347
    Total time deposits $398,346
    Total time and savings deposits $2,378,521
    Noninterest-bearing deposits $635,186
    Interest-bearing deposits $2,008,745
    Retail deposits $2,519,989
    IRAs and Keogh plan accounts $70,725
    Brokered deposits $34,226
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $3,181,671
    Cash & Balances due from depository institutions $422,938
    Interest-bearing balances $327,046
    Total securities $871,086
    Federal funds sold & reverse repurchase $0
    Net loans and leases $1,749,487
    Loan and leases loss allowance $22,362
    Trading account assets $0
    Bank premises and fixed assets $31,979
    Other real estate owned $7,391
    Goodwill and other intangibles $39,540
    All other assets $59,250

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $3,181,671
    Total Liabilities $2,870,096
    Total deposits $2,643,931
    Interest-bearing deposits $2,008,745
    Deposits held in domestic offices $2,643,931
    % insured (estimated) $82
    Federal funds purchased and repurchase agreements $100,350
    Trading liabilities $0
    Other borrowed funds $109,000
    Subordinated debt $0
    All other liabilities $16,815

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,749,487
    Loan and leases loss allowance $22,362
    Total loans and leases (domestic) $1,771,849
    All real estate loans $1,122,317
    Real estate loans in domestic offices $1,122,317
    Construction and development loans $87,831
    Residential 1-4 family construction $13,557
    Other construction, all land development and other land $74,274
    Loans secured by nonfarm nonresidential properties $430,581
    Nonfarm nonresidential secured by owner-occupied properties $344,437
    Commercial real estate & other non-farm, non-residential $86,144
    Multifamily residential real estate $42,061
    1-4 family residential loans $373,043
    Farmland loans $188,801
    Loans held in foreign offices $0
    Farm loans $113,397
    Commercial and industrial loans $390,233
    To non-U.S. addressees $0
    Loans to individuals $35,909
    Credit card loans $2,034
    Related Plans $412
    Consumer Auto Loans $16,286
    Other loans to individuals $17,177
    All other loans & leases $109,993
    Loans to foreign governments and official institutions $0
    Other loans $62,447
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $111
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $9,498
    Non 1-4 family restructured loans & leases $7,041
    Total loans and leases (foreign) $0

    United Community Bank had $1,749,487,000 of loans outstanding in 2020. $1,122,317,000 of loans were in real estate loans. $87,831,000 of loans were in development loans. $42,061,000 of loans were in multifamily mortgage loans. $373,043,000 of loans were in 1-4 family mortgage loans. $113,397,000 of loans were in farm loans. $2,034,000 of loans were in credit card loans. $16,286,000 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 579 $92,114 $159,092
    Nonfarm, nonresidential loans - <$100k 243 $8,859 $36,457
    Nonfarm, nonresidential loans - $100-250k 176 $19,869 $112,892
    Nonfarm, nonresidential loans - $250k-1MM 160 $63,386 $396,163
    Commercial & Industrial, US addressed loans - <$1MM 2,610 $156,587 $59,995
    Commercial & Industrial, US addressed loans - <$100k 2,052 $42,693 $20,806
    Commercial & Industrial, US addressed loans - $100-250k 308 $30,534 $99,136
    Commercial & Industrial, US addressed loans - $250k-1MM 250 $83,360 $333,440
    Farmland loans - <$1MM 696 $82,491 $118,522
    Farmland loans - <$100k 257 $10,447 $40,650
    Farmland loans - $100-250k 272 $31,694 $116,522
    Farmland loans - $250k-1MM 167 $40,350 $241,617
    Agriculture operations loans - <$1MM 1,069 $56,009 $52,394
    Agriculture operations loans - <$100k 795 $17,393 $21,878
    Agriculture operations loans - $100-250k 182 $19,060 $104,725
    Agriculture operations loans - $250k-1MM 92 $19,556 $212,565