Bank · FDIC insured
United Community Bank
A $4.1B bank, the 323rd largest of 4,207, headquartered in Chatham, IL, with 47 branches in 3 states.
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About United Community Bank
United Community Bank traces its roots back to 1907 when Farmer's State Bank was established in Greenfield, Illinois, prior to its purchase by an investor group in 1973.
Headquartered in Chatham, Illinois, the bank is 100% employee-owned and managed.
The institution operates eight bank brands with more than 100 bank and ATM locations across 35 communities.
- Headquarters
- 301 N Main St, Chatham, IL 62629
- FDIC certificate
- 19459 ↗
Branches
47 branches in 3 states
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Illinois
45 branches
Springfield area · 6
- Bruns Lane Branch617 N Bruns Ln, Springfield, IL 62702Directions
- Chatham Road Facility120 Chatham Rd, Springfield, IL 62704Directions
- Northender Money Center Facility2120 N Peoria Rd, Springfield, IL 62702Directions
- Springfield Br3200 W Iles Ave, Springfield, IL 62711Directions
- Springfield Montvale Plaza Branch1900 W Iles Ave, Springfield, IL 62704Directions
- Stevenson Drive Branch700 Stevenson Dr, Springfield, IL 62703Directions
Quincy area · 4
- Broadway Street Wal-Mart Branch5211 Broadway St, Quincy, IL 62305Directions
- Maine Street Branch440 Maine St, Quincy, IL 62301Directions
- Motor Facility Branch200 S 8th St, Quincy, IL 62301Directions
- Quincy (33rd Street) Branch200 N 33rd St, Quincy, IL 62301Directions
Auburn area · 2
- Auburn Facility Branch1311 W Jefferson St, Auburn, IL 62615Directions
- Auburn Plaza790 E Jackson St, Auburn, IL 62615Directions
Bunker Hill area · 2
- Bunker Hill Main Branch129 N Washington St, Bunker Hill, IL 62014Directions
- Bunker Hill Plaza Bank Facility Branch805 S Franklin St, Bunker Hill, IL 62014Directions
Godfrey area · 2
- Godfrey Branch2711 Godfrey Rd, Godfrey, IL 62035Directions
- Godfrey Rt 67 Branch3112 Godfrey Rd, Godfrey, IL 62035Directions
Macomb area · 2
- 430 W Jackson St Branch430 W Jackson St, Macomb, IL 61455Directions
- Macomb East Branch1700 E Jackson St, Macomb, IL 61455Directions
Chatham area · 1
- United Community BankMain office301 N Main St, Chatham, IL 62629Directions
Kincaid area · 1
- Midland Community BankMain office112 Market St, Kincaid, IL 62540Directions
Alton area · 1
- Liberty Bank Branch2403 Homer M Adams Pkwy, Alton, IL 62002Directions
Augusta area · 1
- Marine Bank & Trust Branch507 Main St, Augusta, IL 62311Directions
Bethalto area · 1
- Bethalto Branch353 W Bethalto Dr, Bethalto, IL 62010Directions
Bushnell area · 1
- 190 E Hurst Branch190 E Hurst St, Bushnell, IL 61422Directions
Camp Point area · 1
- Farmers State Bank Of Camp Point Branch206 E Wood St, Camp Point, IL 62320Directions
Carlinville area · 1
- Carlinville Branch404 N Broad St, Carlinville, IL 62626Directions
Carthage area · 1
- Carthage Br410 Buchanan St, Carthage, IL 62321Directions
Colchester area · 1
- 109 East Depot Street Colchester Branch109 E Depot St, Colchester, IL 62326Directions
Divernon area · 1
- Divernon Branch200 Reichert Rd, Divernon, IL 62530Directions
Elkhart area · 1
- Elkhart Branch120 Governor Oglesby Street, Elkhart, IL 62634Directions
Gillespie area · 1
- Gillespie Main Branch301 S Macoupin St, Gillespie, IL 62033Directions
Golden area · 1
- Golden State Bank - Branch321 Quincy St, Golden, IL 62339Directions
Greenfield area · 1
- Greenfield Branch402 Main St, Greenfield, IL 62044Directions
Hamilton area · 1
- Marine Bank & Trust Branch1111 Broadway St, Hamilton, IL 62341Directions
Hudson area · 1
- Hudson Branch105 W Franklin St, Hudson, IL 61748Directions
Lincoln area · 1
- Lincoln Branch2201 Woodlawn Rd Ste 100, Lincoln, IL 62656Directions
Loami area · 1
- Loami Facility102 Church St, Loami, IL 62661Directions
Mechanicsburg area · 1
- Mechanicsburg Facility600 W Main St, Mechanicsburg, IL 62545Directions
Mount Sterling area · 1
- Mount Sterling Br101 E Main St, Mount Sterling, IL 62353Directions
Pawnee area · 1
- Pawnee Main Branch619 5th St, Pawnee, IL 62558Directions
Pittsfield area · 1
- Pittsfield Branch1 Professional Plz, Pittsfield, IL 62363Directions
Roodhouse area · 1
- Roodhouse Facility215 S Morse St, Roodhouse, IL 62082Directions
Sherman area · 1
- Sherman Village Center120 Illini Blvd, Sherman, IL 62684Directions
Taylorville area · 1
- Taylorville Facility Branch1149 E 1500 North Rd, Taylorville, IL 62568Directions
Winchester area · 1
- Winchester Branch21 E Market St, Winchester, IL 62694Directions
Florida
1 branch
- United Commonwealth Bank Branch2911 Tamiami Trail N, Naples, FL 34103Directions
Missouri
1 branch
- Palmyra Savings Branch123 W Lafayette St, Palmyra, MO 63461Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.17% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.31% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.32% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $74 | $88 | — |
- CapitalLeverage ratio10.17%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.31%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.32%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$74Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of United Community Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.