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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.45%1 | 0.35%1 | 0.66% | 0.55% | 0.56% | 0.58% | 0.91% | 1.28% | +72 bps | |
| Return on Equity | 4.01% | 3.21% | 6.29% | 5.03% | 4.99% | 5.16% | 7.53% | 10.10% | +507 bps | |
| Net Interest Margin | 1.70% | 1.92% | 2.39% | 2.57% | 2.57% | 2.67% | 3.07% | 3.23% | +66 bps | |
| Efficiency Ratio | 96.19% | 94.24% | 76.90% | 78.68% | 77.62% | 76.66% | 68.61% | 71.33% | -735 bps | |
| Non-Interest Burden | 1.59% | 1.72% | 1.36% | 1.61% | 1.59% | 1.62% | 1.52% | 1.73% | +13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.30% | 7.14% | 8.97% | 1.17% | 1.80% | 4.50% | -16.73% | -6.78% | -795 bps | |
| Loan Growth (YoY) | -4.30% | -4.30% | -2.97% | 3.74% | 11.25% | 10.55% | 7.80% | 0.58% | -316 bps | |
| Deposit Growth (YoY) | -3.18% | -0.58% | -6.45% | -1.82% | -6.50% | -1.39% | 0.55% | 3.23% | +505 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.22% | 0.27% | 0.48% | 0.43% | 0.46% | 0.29% | 0.29% | 0.76% | +33 bps | |
| Net Charge-Offs / Loans | 0.10% | 0.26% | 0.00% | 0.00% | 0.05% | 0.14% | 0.00% | 0.02% | +2 bps | |
| Allowance / Loans | 1.71% | 1.60% | 1.65% | 1.64% | 1.65% | 1.68% | 1.72% | 1.72% | +8 bps | |
| Allowance Coverage of NPLs | 1.4x | 5.9x | 3.5x | 3.8x | 3.6x | 5.8x | 6.0x | 2.3x | -1.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.07% | 13.00% | 13.60% | 13.61% | 13.23% | 13.27% | 13.66% | 14.46% | +85 bps | |
| Total Risk-Based Capital | 17.68% | 17.69% | 17.91% | 17.23% | 17.11% | 17.36% | 17.86% | 18.37% | +114 bps | |
| Equity / Assets | 11.74% | 10.48% | 10.63% | 12.03% | 12.12% | 10.76% | 13.60% | 13.99% | +196 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 109.71% | 106.81% | 113.42% | 125.96% | 130.53% | 119.75% | 121.60% | 122.72% | -323 bps | |
| Liquid Assets / Assets | 18.64% | 28.06% | 30.99% | 17.13% | 17.22% | 26.83% | 11.06% | 11.14% | -599 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 325% | 324% | 321% | n/a | n/a | |