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Lender record

United Community Bank

The real lending record — every figure from funded deals. HQ: 1000 Okoboji Ave, Milford, IA. 5 branches.

United Community Bank banner

1,211

Recent deals (FY20+)

$505K

Typical deal

24 days

Approval → funding

0.7%

Failure rate (FY20–23)

Where United Community Bank lends

Deals United Community Bank funded — list all 500 as text

Deal profile

Most United Community Bank deals land between $293K and $1.0M — that range covers half of everything they fund. Top industries and states:

Industries they fund most

  1. 1.Limited-Service Restaurants (112)
  2. 2.Snack and Nonalcoholic Beverage Bars (105)
  3. 3.Offices of Dentists (90)
  4. 4.Private Mail Centers (59)
  5. 5.Offices of Physicians (except Mental Health Specialists) (54)
  6. 6.Fitness and Recreational Sports Centers (53)
  7. 7.Veterinary Services (50)
  8. 8.Full-Service Restaurants (47)

Most active states

  1. 1.Georgia (203 deals)
  2. 2.Florida (175 deals)
  3. 3.North Carolina (140 deals)
  4. 4.Texas (126 deals)
  5. 5.South Carolina (93 deals)
  6. 6.Tennessee (47 deals)
  7. 7.Illinois (43 deals)
  8. 8.Alabama (42 deals)
  9. 9.California (37 deals)
  10. 10.Colorado (30 deals)

Franchises they finance most

The UPS Store

57 deals

Bruster's Real Ice Cream

30 deals

Domino's

24 deals

Jersey Mike's

16 deals

American Family Care/AFC Urgent Care f/k/a Doctor's Express

16 deals

Can United Community Bank fund you? The bank behind the loans

Total assets

$284.5M

▼ 1.6% vs prior quarter

Deposits on hand

$238.6M

▼ 1.2% vs prior quarter

Loans outstanding

$197.5M

▲ 1.7% vs prior quarter

Net income (latest qtr)

$740K

  • •SBA is this bank's core business — this year's SBA production alone equals ~34.5% of its entire loan book. Expect a dedicated SBA desk, packaging help, and underwriters who do this all day. That makes United Community Bank more SBA-focused than 100% of the banks on our record.
  • •Deposits shrank last quarter — worth asking early how much new-loan appetite they have right now.
  • •Return on assets of 1.03% — above the ~1% mark generally considered strong for a bank. How any of this translates to your rate is a question for the loan officer — pricing is set deal by deal.

FDIC call-report data, quarter ending 03/2026.

Walk into a United Community Bank branch (5)

United Community BankMain office1000 Okoboji AveMilford, IA 51351 · since 1931

Lake Park Branch113 Market StLake Park, IA 51347 · since 1934

Okoboji BranchHighway 71 NorthOkoboji, IA 51355 · since 1982

Ocheyedan Branch850 Main StOcheyedan, IA 51354 · since 1995

Hartley Branch117 S Central AveHartley, IA 51346 · since 1998

Branch data: FDIC BankFind.

Recent deals

  • The Goddard School in Charlotte, NC — $5.0M (2026) · Child Care Services
  • The Goddard School of Smyrna in Smyrna, GA — $5.0M (2026) · Child Care Services
  • Expedited Transport Agency, Inc. in Vestavia, AL — $4.9M (2026) · purchase · Freight Transportation Arrangement
  • Pet Supplies Plus in Terre Haute, IN — $4.9M (2026) · purchase · Pet and Pet Supplies Retailers
  • Primrose School of Collegeville in Collegeville, PA — $4.2M (2026) · Child Care Services
  • Triad Building Solutions, LLC in Cumming, GA — $2.8M (2026) · purchase · All Other Specialty Trade Contractors
  • Georgia Endodontics, P.C. in Alpharetta, GA — $2.5M (2026) · Offices of Dentists
  • Porter Steel, Inc in Lilburn, GA — $2.2M (2026) · Ornamental and Architectural Metal Work Manufacturing
  • Henry's Acworth LLC in Acworth, GA — $1.9M (2026) · purchase · Full-Service Restaurants
  • The Premier Academy of Gallatin in Gallatin, TN — $1.7M (2026) · Child Care Services

Hover or tap a deal for terms: program, rate, SBA guarantee, days to fund.

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Failed deals

6 of United Community Bank's loans on record were charged off — the lender gave up collecting, which usually means the business failed. Each links to its full record.

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Businesses United Community Bank financed

954 businesses on record — the 60 largest by funding. Each links to its full SBA record.

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CapBench analysis of public lending records, FY2020–present. Not affiliated with United Community Bank.

Agent summary

This page summarizes United Community Bank's public SBA 7(a) lending record — deal sizes, industries, geography, and FDIC profile — from CapBench SBA Intelligence. CapBench is not a lender and does not originate or approve loans.

  • 1,211 SBA 7(a) loans on record
  • $505K typical deal
  • 213 business-acquisition loans
  • HQ: 1000 Okoboji Ave, Milford, IA
  • 5 FDIC branch locations
  • FDIC total assets $284.5M

Next steps

Request an introRank lendersPre-qualify a deal
Data freshness:
SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-21.
Sources:
Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:
https://www.capbench.com/lenders/united-community-bank
API:
https://www.capbench.com/api/public/lenders/united-community-bank
Methodology:
Sources & methodology
  • Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
  • Figures come from public records and CapBench methodology; verify before relying on them.
  • Lender matches are informational and based on public lending activity — they do not guarantee lender interest or approval.

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