This institution is no longer active

Operations ceased on January 1, 1994. CRA examination history below reflects the period it was active.

UNITED COMMUNITY BANK

WEATHERFORD, OK · Supervised by FDIC

Est. 1984FDIC #25,607RSSD: FDIC-25607

Part ofR BANKING LTD PARTNERSHIP→ View all charters

Satisfactory Same

Current rating · Exam: April 1992

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.45%

Institution Profile

FDIC BankFind

Address

122 North Broadway, WEATHERFORD, OK

County

Custer County

Established

September 21, 1984

Total Assets

$34M(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

April 1, 1992

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 34 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q4 1993Call Report / FDIC

Total Assets

$34M

Total Deposits

$31M

Net Loans

$13M

Net Income

$496K

ROA

1.45%

ROE

14.70%

Risk-Based Capital

24.05%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate21.90%Peer avg: 7.63%▼ Below avg

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Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	12,232	65.7%	21.90%
2023	18,874	44.17%	34.52%
2022	24,125	48.2%	30.12%
2021	18,928	71.04%	13.59%
2020	21,670	70.16%	13.83%
2019	13,964	68.18%	18.35%
2018	12,630	67.8%	19.27%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 2 exams

1 previous rating locked — dating back to 1990

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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