Total Assets
$289M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$241M
Customer-funded liabilities
Net Loans
$194M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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 metrics
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
Profitability metrics
Return on Assets (ROA)
29th percentile nationally
0.80%
Return on Equity (ROE)
9.18%
Efficiency Ratio
67.58%
What the numbers say about United Community Bank
United Community Bank is an FDIC-insured institution (Certificate #13656) headquartered in Milford, Iowa, established in 1931. It holds $289M in total assets - 2,540th of 4,313 FDIC-insured banks, $241M in customer deposits, and $194M in net loans. Looking at capital strength, Tier 1 stands at 11.72%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 10.44%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of B (66/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Iowa, United Community Bank ranks 107th of 230 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$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.
Top banks in Iowa by total assets
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.
Other banks in Iowa
All Iowa banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is United Community Bank's health grade?▼
United Community Bank receives a health grade of B (66/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is United Community Bank?▼
United Community Bank holds $289M in total assets and $241M in deposits, ranking 2,540th of 4,313 FDIC-insured banks by asset size. It is headquartered in Milford, Iowa.
Is my money safe at United Community Bank?▼
Yes, deposits at United Community Bank (Certificate #13656) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is United Community Bank's Tier 1 Capital Ratio?▼
United Community Bank has a Tier 1 Capital Ratio of 11.72%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for United Community Bank?▼
United Community Bank has a Texas Ratio of 10.44%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is United Community Bank?▼
United Community Bank has an Efficiency Ratio of 67.58%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read United Community Bank's profile as a depositor or analyst.
- United Community Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare United Community Bank against other Iowa banks before moving funds. Iowa banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.