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United Community Bank
Milford, IA · FDIC Certificate #13656 · Chartered 06/1
Total assets
$290.04M
Total deposits
$232.74M
Total equity
$26.58M
Net loans
$208.47M
Branches (offices)
5
Net income (YTD)
$1.62M
Rank: #2,524 of 4,213 U.S. banks by assets · #105 of 225 in Iowa. Assets changed 1.1% and deposits 7.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.12% |
| Return on equity | 12.41% |
| Net interest margin (YTD) | 3.20% |
| Equity to assets | 9.16% |
| Tier 1 leverage ratio | 8.45% |
| Uninsured deposits (share of deposits) | 37.4% |
| Noncurrent loans (share of loans) | 1.51% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 89.6% |
| Real estate loans (share of loans) | 66.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $139.01M | 66.7% | |
| Commercial & industrial | $11.34M | 5.4% | |
| Consumer / individual | $2.03M | 1.0% | |
| Construction & development | $10.04M | 4.8% | |
| Agricultural | $47.28M | 22.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $250.86M | $220.42M | $1.07M | $20.29M |
| Jun 2023 | $264.20M | $222.88M | $522.00K | $20.14M |
| Jun 2024 | $271.79M | $226.65M | $617.00K | $22.02M |
| Jun 2025 | $286.98M | $216.09M | $973.00K | $24.39M |
| Jun 2026 | $290.04M | $232.74M | $1.62M | $26.58M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $232.74M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $232.74M.
Similar-sized banks
One World Bank ($290.11M) · Farmers & Merchants Bank ($289.61M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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