United Community Bank

105 South Main Street
Poynette, WI 53955

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 11603
Date Established 1894
Assets $0.17 billion
Loans $0.13 billion
Deposits $0.16 billion
Capital $0.02 billion

United Community Bank is an FDIC insured institution located in Poynette, WI. It was founded in 1894 and has approximately $0.19 billion in assets. Customers can open an account at one of its 4 branches.

For a more detailed analysis of United Community Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in United Community Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Small Business Loans.

Compared to other banks in Wisconsin, United Community Bank has a significantly higher percent of Multifamily Mortgages on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 26.85
Multifamily
Mortgages
12.70
Credit Card Loans 0.15
Consumer Auto Loans 0.26
Small Business Loans 17.42
Construction and Development Loans 6.70
Commercial Real Estate 36.53
Commercial and Industrial Loans 8.69
Farm Loans 0.49

Deposit Rates - June 17, 2019

Your Current Location: Virginia, VA 20146

There are currently no rates available for United Community Bank, but see these great savings and CD rates:

Advertiser Disclosure

Loan Rates - June 17, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for United Community Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

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Note to United Community Bank
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Branches

United Community Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


United Community Bank Locations


Financial Details

United Community Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of United Community Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
United Community Bank U.S. Bank Average
1.78% 6.97%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2018, United Community Bank had $408,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $22,814,000 in equity and $89,000 in loans loss reserves. That gives it a Texas Ratio of 1.78%.

Return on Equity
United Community Bank U.S. Bank Average
13.86% 8.80%

United Community Bank has a Return on Equity of 13.86% versus the BestCashCow average of 8.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
United Community Bank U.S. Bank Average
13.5% 12.29%

United Community Bank has a Capitalization of 13.5% versus the BestCashCow average of 12.29. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

United Community Bank Balance Sheet Analysis

As of December 31, 2018, United Community Bank had assets of $185,286,000, loans of $134,940,000, and deposits of $159,801,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

December 31, 2018
ASSETS
Cash & Balances due from depository institutions $0.02 billion
Interest-bearing balances $0.02 billion
Total securities $0.01 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.13 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.01 billion
All other assets $0.00 billion
     Total Assets $0.16 billion
LIABILITIES
Total deposits $0.16 billion
      Interest-bearing deposits $0.13 billion
      Deposits held in domestic offices $0.16 billion
      % insured (estimated) 85.57%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.16 billion
      Shareholders’ Equity $0.01 billion

Summary Income Statement

December 31, 2018
INCOME AND EXPENSES
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Frequently Asked Questions About United Community Bank

Branches and Savings

Is United Community Bank FDIC insured?

Yes. It is covered under FDIC Certificate #11603.

Why does United Community Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are United Community Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is United Community Bank a commercial bank?

Yes

Where are United Community Bank locations?

See branch locations nearby.

Is United Community Bank open on Saturdays?

Is United Community Bank open on Sundays?

What time does United Community Bank open?

What time does United Community Bank close?

Are United Community Bank ATMs Open 24/7?

Do United Community Bank ATMs accept cash deposits?

Can United Community Bank customers use other ATMs?

Do United Community Bank branches have notaries?

Will United Community Bank notarize my document?

What address for United Community Bank should I put for incoming ACH transfers?

Will the United Community Bank branch print checks?

Do United Community Bank checks expire?

Does United Community Bank require US citizenship to open account?

Can United Community Bank close my account?

Does United Community Bank Report to credit bureaus?

Does United Community Bank Use Equifax?

What is United Community Bank's ACH Routing Number?

What is United Community Bank's SWIFT code?

Products

Does United Community Bank offer mortgages?

Compare mortgage rates here.

Does United Community Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does United Community Bank offer personal loans?

Compare personal loan rates here.

Does United Community Bank offer student loans?

Will United Community Bank cash a check?

Will United Community Bank redeem a savings bond?

Does United Community Bank cash savings bonds?

Will United Community Bank cash money orders?

Can United Community Bank issue a money order?

Does United Community Bank do currency exchange?

Background on The Bank

Who owns United Community Bank?

How long has United Community Bank been around?

Can United Community Bank transfer to other banks?

Does United Community Bank have quick pay?

Does United Community Bank accept rolled coins?

Will United Community Bank accept loose change?

Where is United Community Bank headquarters?

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