United Bankers' Bank
Richfield, MN · Cert 22180 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · United Bankers Bcorp Inc.
State charter, Fed member · FED · 1 branch
Q2 2026
$1.1BAssets
$780.0MLoans
$635.6MDeposits
$147.0MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 91% of banks $1B-$10B in assets operating in a single state (rank 24 of 258).
- Widest gap: efficiency ratio trails 79% of banks $1B-$10B in assets operating in a single state (rank 203 of 257).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.38%
Rank 90 of 258
Net Interest Margin
3.23%
Rank 177 of 258
Efficiency Ratio
71.33%
Rank 203 of 257
Equity / Assets
13.99%
Rank 24 of 258
Non-interest income vs. expense
Unfavorable gap of $18.1M · efficiency ratio beats 21% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.38% | 0.93% | 1.23% | 1.54% | Beats 65% | 90 / 258 | | |
| Return on Equity | 9.84% | 9.26% | 11.84% | 14.74% | Beats 31% | 178 / 258 | | |
| Net Interest Margin | 3.23% | 3.16% | 3.49% | 3.88% | Beats 31% | 177 / 258 | | |
| Efficiency Ratio | 71.33% | 51.71% | 60.30% | 69.65% | Beats 21% | 203 / 257 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.76% | 0.19% | 0.46% | 0.90% | Beats 29% | 185 / 258 | | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.02% | 0.07% | Beats 68% | 83 / 258 | | |
| Capital |
| Tier 1 Capital Ratio | 17.12% | 11.41% | 12.98% | 15.12% | Beats 84% | 40 / 258 | | |
| Total Risk-Based Capital Ratio | 18.37% | 12.10% | 13.91% | 16.08% | Beats 86% | 36 / 258 | | |
| Equity / Assets | 13.99% | 9.09% | 10.24% | 11.72% | Beats 91% | 24 / 258 | | |
| Liquidity & Funding |
| Loans / Deposits | 122.72% | 73.24% | 86.34% | 95.95% | 98th pctl | 6 / 258 | | |
| Loans / Assets | 74.22% | 63.01% | 72.27% | 78.40% | 57th pctl | 112 / 258 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |