Research terminalQ2 2026 · 4,313 institutions · refreshed 8/27/2026 · catalog mismatch

Get started

Q2 2026 · 4,313 institutions · refreshed 8/27/2026

All banksProfile view

OptimaYield board tearsheet · reported facts

UNITED COMMUNITY BANK

FDIC #19459 · IL · period 20260630

Download full PDF Download full Excel Download compact PDF Download compact Excel Return to profile

Total assets1,016,141-28.34% YoY

Total deposits867,409-26.15% YoY

Net loans and leases579,653-39.01% YoY

Return on assets1.46%+13.36% YoY

Return on equity14.12%-1.19% YoY

Net interest margin2.93%-4.47% YoY

Peer position

Return on assets56thin line · n=902

Return on equity59thin line · n=894

Net interest margin16thopportunity · n=902

Equity to assets50thin line · n=894

Noncurrent loans67thin line · n=887

Liquid assets80thstrength · n=895

Brokered deposits34thin line · n=890

Loans to deposits79thstrength · n=890

Ten-year reported history

Period	Assets	Deposits	Loans	ROA	ROE	NIM
2016-03-31	1,016,141	867,409	579,653	1.46	14.12	2.93
2016-06-30	1,052,893	904,607	618,453	1.46	14.52	2.93
2016-09-30	1,064,110	900,095	678,106	1.30	13.07	2.93
2016-12-31	1,422,581	1,179,453	953,983	1.37	13.94	3.00
2017-03-31	1,418,040	1,174,554	950,419	1.29	14.29	3.07
2017-06-30	1,721,834	1,432,075	1,070,121	1.30	13.46	3.22
2017-09-30	1,718,161	1,430,236	1,078,079	1.30	13.34	3.22
2017-12-31	1,802,054	1,491,368	1,081,597	1.29	13.29	3.19
2018-03-31	2,029,260	1,719,601	1,214,778	0.36	3.68	3.20
2018-06-30	1,996,614	1,690,844	1,213,443	0.70	7.12	3.25
2018-09-30	1,985,774	1,668,218	1,205,960	0.88	8.79	3.23
2018-12-31	2,077,491	1,739,000	1,247,391	0.92	9.48	3.22
2019-03-31	2,058,368	1,727,917	1,239,282	0.93	10.16	3.08
2019-06-30	2,603,219	2,145,566	1,548,686	0.96	10.49	3.09
2019-09-30	2,601,097	2,144,619	1,532,378	1.12	12.12	3.16
2019-12-31	2,663,225	2,210,583	1,533,391	1.05	11.24	3.10
2020-03-31	2,691,111	2,235,168	1,510,379	0.92	9.25	2.98
2020-06-30	2,964,193	2,450,537	1,682,793	0.84	8.44	2.74
2020-09-30	2,999,572	2,491,516	1,744,415	0.72	7.20	2.69
2020-12-31	3,181,671	2,643,931	1,749,487	0.95	9.55	2.69
2021-03-31	3,335,726	2,816,172	1,743,625	1.05	11.05	2.44
2021-06-30	3,385,772	2,860,132	1,672,693	1.17	12.28	2.40
2021-09-30	3,437,415	2,903,164	1,667,328	1.13	11.93	2.41
2021-12-31	3,479,391	3,012,176	1,730,303	1.01	10.85	2.38
2022-03-31	3,499,264	3,082,501	1,760,363	0.84	9.90	2.24
2022-06-30	3,457,748	3,066,836	1,786,547	0.88	10.62	2.31
2022-09-30	3,483,548	3,099,822	1,803,012	0.96	11.85	2.43
2022-12-31	3,460,034	3,070,912	1,898,988	1.06	13.01	2.59
2023-03-31	3,385,478	2,982,093	1,888,461	1.40	16.36	3.10
2023-06-30	3,336,148	2,903,962	1,930,983	1.40	16.11	3.10
2023-09-30	3,431,357	2,927,244	1,977,314	1.34	15.62	3.05
2023-12-31	3,492,867	3,013,487	2,058,432	1.07	12.37	2.98
2024-03-31	3,484,463	2,995,274	2,066,523	1.15	12.66	2.94
2024-06-30	3,564,501	3,044,231	2,165,215	1.11	12.20	2.97
2024-09-30	3,644,871	3,101,417	2,275,103	1.09	11.80	2.98
2024-12-31	3,859,236	3,295,898	2,401,841	1.10	12.03	2.96
2025-03-31	3,909,476	3,317,286	2,419,420	1.09	11.91	2.86
2025-06-30	3,880,625	3,273,050	2,436,074	1.25	13.34	2.97
2025-09-30	3,967,197	3,330,759	2,523,652	1.27	13.31	2.98
2025-12-31	4,088,428	3,437,069	2,571,302	1.27	13.27	3.00
2026-03-31	4,165,370	3,531,625	2,543,930	1.22	12.37	2.90
2026-06-30	4,129,042	3,588,277	2,637,910	1.32	13.12	3.03

Structure and branch footprint

46 current branch locations across 3 states as of 2026-08-22. This is an annual branch-location count, not deposit market share.

Date	Code	Predecessor RSSD	Successor RSSD
2019-04-06	1	481542	439338
2018-03-10	1	2146023	439338
2017-06-24	1	611246	439338
2017-06-24	1	588441	439338
2016-11-12	1	301640	439338
2016-11-12	1	428631	439338
2005-08-20	1	605638	439338
1994-04-11	1	717344	439338
1994-04-11	1	996943	439338
1994-04-11	1	167341	439338
1989-07-21	1	985040	439338

Reviewed intelligence

No reviewed or published intelligence is linked to this institution.

Scope and limitations

Financial facts are scoped to the FDIC-insured bank. NIC transformations use the linked RSSD identity; SEC issuer and bank-holding-company facts are not silently combined. Branch data follows its annual source cadence. Intelligence appears only after review or publication.