United Community Bank is a bank based in Chatham, Illinois, established in 1965, with $4.2 billion in total assets across 46 branches. By Trust Grade it ranks 133rd of 328 banks we track in Illinois. Its capital ratio of 9.9% trails most similarly sized banks (41th percentile), versus a Illinois median of 10.3%. It was profitable over the most recent period, with a 1.22% return on assets. No consumer complaints against United Community Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How United Community Bank compares to Illinois peers
How we graded United Community Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (9.9% capital ratio)
- Strongly profitable (ROA 1.22%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for United Community Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (46)
- 200 N 5th St, Auburn, IL 62615
- 619 5th St, Pawnee, IL 62558
- 1111 Broadway St, Hamilton, IL 62341
- 301 S Macoupin St, Gillespie, IL 62033
- 301 N Main St, Chatham, IL 62629
- 3200 W Iles Ave, Springfield, IL 62711
- 120 Governor Oglesby Street, Elkhart, IL 62634
- 120 Chatham Rd, Springfield, IL 62704
- 1311 W Jefferson St, Auburn, IL 62615
- 600 W Main St, Mechanicsburg, IL 62545
- 3112 Godfrey Rd, Godfrey, IL 62035
- 805 S Franklin St, Bunker Hill, IL 62014
- 200 S 8th St, Quincy, IL 62301
- 790 E Jackson St, Auburn, IL 62615
- 129 N Washington St, Bunker Hill, IL 62014
- 102 Church St, Loami, IL 62661
- 2120 N Peoria Rd, Springfield, IL 62702
- 105 W Franklin St, Hudson, IL 61748
- 2201 Woodlawn Rd Ste 100, Lincoln, IL 62656
- 404 N Broad St, Carlinville, IL 62626
- 430 W Jackson St, Macomb, IL 61455
- 2711 Godfrey Rd, Godfrey, IL 62035
- 5211 Broadway St, Quincy, IL 62305
- 1900 W Iles Ave, Springfield, IL 62704
- 190 E Hurst St, Bushnell, IL 61422
- 109 E Depot St, Colchester, IL 62326
- 123 W Lafayette St, Palmyra, MO 63461
- 700 Stevenson Dr, Springfield, IL 62703
- 617 N Bruns Ln, Springfield, IL 62702
- 353 W Bethalto Dr, Bethalto, IL 62010
- 200 Reichert Rd, Divernon, IL 62530
- 2403 Homer M Adams Pkwy, Alton, IL 62002
- 1700 E Jackson St, Macomb, IL 61455
- 440 Maine St, Quincy, IL 62301
- 120 Illini Blvd, Sherman, IL 62684
- 2911 Tamiami Trail N, Naples, FL 34103
- 321 Quincy St, Golden, IL 62339
- 21 E Market St, Winchester, IL 62694
- 200 N 33rd St, Quincy, IL 62301
- 410 Buchanan St, Carthage, IL 62321
Are deposits at United Community Bank insured?
Yes. United Community Bank is an FDIC-insured bank (FDIC certificate #19459). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
United Community Bank: frequently asked questions
Is United Community Bank a good bank?
United Community Bank earns a Bankzia Trust Grade of A (97/100, "Excellent"), based on a financial-strength score of 97/100 (it has no CFPB complaints on record). Strongly capitalized (9.9% capital ratio); Strongly profitable (ROA 1.22%).
Is United Community Bank FDIC-insured?
Yes. United Community Bank is a FDIC-insured bank (FDIC certificate #19459). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is United Community Bank?
United Community Bank holds $4.2 billion in total assets, ranking 133rd of 328 banks we track in Illinois. It operates 46 branches.
Does United Community Bank have CFPB complaints?
No CFPB complaints against United Community Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
