United Community Bank is a bank based in Milford, Iowa, established in 1931, with $285 million in total assets across 5 branches. By Trust Grade it ranks 147th of 226 banks we track in Iowa. Its capital ratio of 9.1% trails most similarly sized banks (32th percentile), versus a Iowa median of 10.2%. It was profitable over the most recent period, with a 1.03% return on assets. No consumer complaints against United Community Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How United Community Bank compares to Iowa peers
How we graded United Community Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (9.1% capital ratio)
- Strongly profitable (ROA 1.03%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for United Community Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (5)
- 117 S Central Ave, Hartley, IA 51346
- 850 Main St, Ocheyedan, IA 51354
- Highway 71 North, Okoboji, IA 51355
- 113 Market St, Lake Park, IA 51347
- 1000 Okoboji Ave, Milford, IA 51351
Are deposits at United Community Bank insured?
Yes. United Community Bank is an FDIC-insured bank (FDIC certificate #13656). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
United Community Bank: frequently asked questions
Is United Community Bank a good bank?
United Community Bank earns a Bankzia Trust Grade of A (95/100, "Excellent"), based on a financial-strength score of 95/100 (it has no CFPB complaints on record). Strongly capitalized (9.1% capital ratio); Strongly profitable (ROA 1.03%).
Is United Community Bank FDIC-insured?
Yes. United Community Bank is a FDIC-insured bank (FDIC certificate #13656). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is United Community Bank?
United Community Bank holds $285 million in total assets, ranking 147th of 226 banks we track in Iowa. It operates 5 branches.
Does United Community Bank have CFPB complaints?
No CFPB complaints against United Community Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
