Richfield, MN · Cert 22180 · United Bankers Bcorp Inc.
State charter, Fed member · FED · 1 branch
Q2 2026
Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2026 SOD (annual) · 0.3% share · #28 of 125 inst. · $0.6B of $253.2B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.43% | 0.59% | 0.64% | 0.91% | 1.75% | +132 bps | |
| Return on Equity | 3.79% | 4.91% | 5.64% | 7.53% | 12.66% | +887 bps | |
| Net Interest Margin | 2.76% | 2.79% | 3.03% | 3.07% | 3.31% | +55 bps | |
| Efficiency Ratio | 80.40% | 75.61% | 74.09% | 68.61% | 73.90% | -651 bps | |
| Non-Interest Burden | 1.87% | 1.68% | 1.78% | 1.52% | 1.91% | +4 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.17% | 1.80% | 4.50% | -16.73% | -6.78% | -795 bps | |
| Loan Growth (YoY) | 3.74% | 11.25% | 10.55% | 7.80% | 0.58% | -316 bps | |
| Deposit Growth (YoY) | -1.82% | -6.50% | -1.39% | 0.55% | 3.23% | +505 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.43% | 0.46% | 0.29% | 0.29% | 0.76% | +33 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.14% | 0.43% | 0.00% | 0.04% | +4 bps | |
| Allowance / Loans | 1.64% | 1.65% | 1.68% | 1.72% | 1.72% | +8 bps | |
| Allowance Coverage of NPLs | 3.8x | 3.6x | 5.8x | 6.0x | 2.3x | -1.5x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 13.61% | 13.23% | 13.27% | 13.66% | 14.46% | +85 bps | |
| Total Risk-Based Capital | 17.23% | 17.11% | 17.36% | 17.86% | 18.37% | +114 bps | |
| Equity / Assets | 12.03% | 12.12% | 10.76% | 13.60% | 13.99% | +196 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 125.96% | 130.53% | 119.75% | 121.60% | 122.72% | -323 bps | |
| Liquid Assets / Assets | 17.13% | 17.22% | 26.83% | 11.06% | 11.14% | -599 bps | |
| CRE / Total Capital | n/a | 325% | 324% | 321% | n/a | n/a | |