United Minnesota Bank
New London, MN · Cert 10567 · Peer group: banks under $1B in assets in MN (n=111-113) · Carlson Bankshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
$56.9MAssets
$45.0MLoans
$52.5MDeposits
$4.3MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in MN (rank 36 of 111).
- Widest gap: equity / assets trails 90% of banks under $1B in assets in MN (rank 102 of 113).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.53%
Rank 24 of 113
Net Interest Margin
4.55%
Rank 14 of 113
Efficiency Ratio
56.46%
Rank 38 of 113
Equity / Assets
7.48%
Rank 102 of 113
Non-interest income vs. expense
Unfavorable gap of $1.4M · efficiency ratio beats 67% of banks under $1B in assets in MN | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.53% | 0.87% | 1.20% | 1.41% | Beats 79% | 24 / 113 | |
| Return on Equity | 20.43% | 8.92% | 11.27% | 13.99% | Beats 98% | 2 / 113 | |
| Net Interest Margin | 4.55% | 3.42% | 3.88% | 4.31% | Beats 88% | 14 / 113 | |
| Efficiency Ratio | 56.46% | 54.13% | 61.48% | 69.86% | Beats 67% | 38 / 113 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.54% | 0.09% | 0.58% | 1.82% | Beats 53% | 53 / 111 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.04% | Beats 100% | 36 / 111 | |
| Capital |
| Tier 1 Capital Ratio | 11.86% | 11.53% | 13.31% | 18.13% | Beats 30% | 79 / 113 | |
| Total Risk-Based Capital Ratio | 12.91% | 12.12% | 14.43% | 19.39% | Beats 34% | 75 / 113 | |
| Equity / Assets | 7.48% | 8.52% | 10.10% | 11.94% | Beats 10% | 102 / 113 | |
| Liquidity & Funding |
| Loans / Deposits | 85.67% | 62.08% | 77.32% | 88.06% | 68th pctl | 35 / 111 | |
| Loans / Assets | 79.01% | 55.01% | 66.35% | 75.50% | 82nd pctl | 20 / 113 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |