FDIC Cert #13656 · Milford, Iowa · Est. 1931

United Community Bank - FDIC Bank Health Profile

A community-scale look at United Community Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$289M
Total assets
B
Health grade · Good
0.80%
Return on assets
11.7%
Tier 1 capital

Data updated July 2026

The verdict

United Community Bank earns a PlainBankData health grade of B (66/100), with well-capitalized at 11.72% Tier 1, 0.80% ROA, 68% efficiency ratio.

#2,540
largest of 4,313 FDIC banks by assets
41st
percentile by asset size, nationally
11.72%
Tier 1 ratio - above the 10% well-capitalized line
29th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 13656 · IA B · 66/100

GRADE-B · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-B B (66/100)
  • LOWER-Q #3442/4307
  • PHOTO-FINISH Great Plains State B… · NE
  • TIER1-WELL 11.7% Tier 1
  • TEXAS-CLEAN 10.4% Texas
  • ROA-PAR 0.80% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Iowa: Great Plains State Bank, NE (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around United Community Bank

Lowest and highest poles plus nearest scored peers outside Iowa, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100County National Bank · MI · …66/100Farmers & Merchants… · WI · …66/100Great Plains State B… · NE ·…66/100Kennebunk Savings Bank · ME …66/100United Community Bank · IA ·…66/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around United Community Bank · July 2026

What United Community Bank's Call Report plate shows

United Community Bank (FDIC Cert #13656) carries a PlainBankData health grade of B at 66/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,442 of 4,307. Tier 1 capital prints at 11.72%, clearing the 10% well-capitalized line. The Texas Ratio is 10.44%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.80%. Balance-sheet scale is $289M, 2,540th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Great Plains State Bank (NE), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around United Community Bank

4 FAILURE resolutions in Iowa since 2000 (3 since 2008)

United Community Bank's home state sits in the middle band of post-2000 FAILURE counts (4; 3 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; United Community Bank remains an active FDIC-insured reporter.

  • CITIZENS BANK SAC CITY, IA 2023 → IOWA TRUST & SAVINGS BANK
  • POLK COUNTY BANK JOHNSTON, IA 2011 → GRINNELL STATE BANK
  • VANTUS BANK SIOUX CITY, IA 2009 → GREAT SOUTHERN BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Iowa banks.

How United Community Bank's 66/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10066/100
United Community Bank's composite health score
Tier 1 Capital Ratio (11.72%) 28/40
Return on Assets (ROA) (0.80%) 14/25
Texas Ratio (10.44%) 16/20
Efficiency Ratio (67.58%) 8/15

66 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$289M

Total balance-sheet footings

Total Deposits

$241M

Customer-funded liabilities

Net Loans

$194M

Outstanding loan book

Net Income

$2M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 10.32% 11.72% 13.12%
Basel III capital ratios - United Community Bank

Where United Community Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. United Community Bank's score of 66/100 falls in the highlighted band.

United Community Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

66 20th percentile higher than 20% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. United Community Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

United Community Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). United Community Bank's $289M falls in the highlighted band.

Safety ratios for United Community Bank

Tier 1 capital ratio
Well-capitalized 10%

11.72% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
11.72%
Texas Ratio
10.44%
Equity Capital
$26M

What these ratios mean →

Profitability metrics: United Community Bank

Return on Assets (ROA)
29th percentile nationally
0.80%
Return on Equity (ROE)
9.18%
Efficiency Ratio
67.58%

What these mean →

Income & expense at United Community Bank

$13M
Interest Income
$994K
Non-Interest Income
$6M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. United Community Bank reports a Texas Ratio of 10.44% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

10.44% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View United Community Bank on FDIC BankFind →

Top banks in Iowa by total assets

Largest banks headquartered in Iowa
  1. 1
    Principal Bank $9.3B

    Des Moines, IA · Grade A

  2. 2
    Bankers Trust Company $7.5B

    Des Moines, IA · Grade A

  3. 3
    MidWestOne Bank $6.3B

    Iowa City, IA · Grade A

  4. 4
    Hills Bank and Trust Company $4.6B

    Hills, IA · Grade A

  5. 5
    West Bank $4.1B

    West Des Moines, IA · Grade A

Top 5 banks in Iowa ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($289M here), outside Iowa so the neighborhood is not state containment.

SouthernTrust Bank $289M · IL First Federal Savings Bank of Kentucky $289M · KY Nekoosa Port Edwards State Bank $290M · WI Castle Rock Bank $290M · MN

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) United Community Bank (FDIC Cert #13656) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

United Community Bank Call Report profile · FDIC Failed Bank List · Iowa FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Iowa

All Iowa banks →
BankAssetsGradeROA
Principal BankDes Moines $9.3B A 1.24%
Bankers Trust CompanyDes Moines $7.5B A 1.10%
MidWestOne BankIowa City $6.3B A 1.12%
Hills Bank and Trust CompanyHills $4.6B A 1.33%
West BankWest Des Moines $4.1B A 0.94%
Northwest BankSpencer $3.0B B 1.03%
Cedar Rapids Bank and Trust CompanyCedar Rapids $2.9B A 2.83%
Quad City Bank and Trust CompanyBettendorf $2.7B A 1.30%