Total Assets
$681M
Total balance-sheet footings
FDIC Cert #19143 · Raceland, Louisiana · Est. 1964
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.
- $681M
- Total assets
- A
- Health grade · Excellent
- 1.87%
- Return on assets
- 14.5%
- Tier 1 capital
Data updated July 2026
The verdict
United Community Bank earns a PlainBankData health grade of A (88/100), with well-capitalized at 14.55% Tier 1, profitable at 1.87% ROA, 67% efficiency ratio.
- #1,405
- largest of 4,313 FDIC banks by assets
- 67th
- percentile by asset size, nationally
- 14.55%
- Tier 1 ratio - above the 10% well-capitalized line
- 87th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How United Community Bank's 88/100 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 (14.55%) 35/40
Return on Assets (ROA) (1.87%) 25/25
Texas Ratio (2.56%) 20/20
Efficiency Ratio (66.60%) 8/15
88 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$560M
Customer-funded liabilities
Net Loans
$495M
Outstanding loan book
Net Income
$12M
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 88/100 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 $681M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
14.55% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
14.55%
Texas Ratio
2.56%
Equity Capital
$98M
Profitability metrics
Return on Assets (ROA)
87th percentile nationally
1.87%
Return on Equity (ROE)
12.52%
Efficiency Ratio
66.60%
What the numbers say about United Community Bank
United Community Bank is an FDIC-insured institution (Certificate #19143) headquartered in Raceland, Louisiana, established in 1964. It holds $681M in total assets - 1,405th of 4,313 FDIC-insured banks, $560M in customer deposits, and $495M in net loans. Capital-wise, the Tier 1 ratio sits at 14.55%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 2.56%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of A (88 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
United Community Bank sits 25th of 106 banks headquartered in Louisiana by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$41M
Interest Income
$3M
Non-Interest Income
$24M
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 2.56% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
2.56% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Louisiana by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) United Community Bank (FDIC Cert #19143) - 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 Louisiana
All Louisiana banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Origin BankChoudrant | $9.6B | B | 0.76% |
| b1BANKBaton Rouge | $8.2B | A | 1.23% |
| First Guaranty BankHammond | $4.1B | C | -1.33% |
| Gulf Coast Bank and Trust CompanyNew Orleans | $3.6B | B | 1.15% |
| Home Bank, National AssociationLafayette | $3.5B | A | 1.41% |
| Red River BankAlexandria | $3.3B | A | 1.36% |
| Investar Bank, National AssociationBaton Rouge | $2.8B | B | 0.89% |
| Bonvenu Bank, National AssociationBossier City | $1.6B | B | 0.54% |
Frequently asked questions
What is United Community Bank's health grade?▼
United Community Bank receives a health grade of A (88/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is United Community Bank?▼
United Community Bank holds $681M in total assets and $560M in deposits, ranking 1,405th of 4,313 FDIC-insured banks by asset size. It is headquartered in Raceland, Louisiana.
Is my money safe at United Community Bank?▼
Yes, deposits at United Community Bank (Certificate #19143) 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 14.55%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for United Community Bank?▼
United Community Bank has a Texas Ratio of 2.56%. Staying under 50% is the level analysts treat as 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 66.60%. Past the 60% mark, a bigger slice of revenue is absorbed by 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 Louisiana banks before moving funds. Louisiana 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.