🏦Bank Scorer

UNITED COMMUNITY BANK

CHATHAM, IL · Supervised by FDIC

Est. 1965FDIC #19,459RSSD: FDIC-19459
Part ofUNITED COMMUNITY BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: October 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.22%

Institution Profile

FDIC BankFind

Address

301 N Main St, CHATHAM, IL

County

Sangamon County

Established

July 12, 1965

Total Assets

$4.2B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

October 1, 2025

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Oct 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$4.2B

Total Deposits

$3.5B

Net Loans

$2.5B

Net Income

$13M

ROA

1.22%

ROE

12.37%

Risk-Based Capital

15.04%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

46

Branch Deposits

$3.3B

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

12 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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