United Community Bank
Perham, MN · Cert 8544 · Peer group: banks under $1B in assets in MN (n=111-113) · Perham State Bancshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
$359.3MAssets
$214.3MLoans
$326.7MDeposits
$29.4MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 43% of banks under $1B in assets in MN (rank 64 of 111).
- Widest gap: total risk-based capital ratio trails 91% of banks under $1B in assets in MN (rank 103 of 113).
- Overall: at or above the peer median on 0 of 9 directional measures.
Return on Assets
0.77%
Rank 92 of 113
Net Interest Margin
3.16%
Rank 92 of 113
Efficiency Ratio
73.70%
Rank 97 of 113
Equity / Assets
8.18%
Rank 91 of 113
Non-interest income vs. expense
Unfavorable gap of $8.1M · efficiency ratio beats 15% 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 | 0.77% | 0.87% | 1.20% | 1.41% | Beats 19% | 92 / 113 | |
| Return on Equity | 9.40% | 8.92% | 11.27% | 13.99% | Beats 28% | 81 / 113 | |
| Net Interest Margin | 3.16% | 3.42% | 3.88% | 4.31% | Beats 19% | 92 / 113 | |
| Efficiency Ratio | 73.70% | 54.13% | 61.48% | 69.86% | Beats 15% | 97 / 113 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.95% | 0.09% | 0.58% | 1.82% | Beats 9% | 102 / 111 | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.00% | 0.04% | Beats 43% | 64 / 111 | |
| Capital |
| Tier 1 Capital Ratio | 10.49% | 11.53% | 13.31% | 18.13% | Beats 10% | 102 / 113 | |
| Total Risk-Based Capital Ratio | 10.49% | 12.12% | 14.43% | 19.39% | Beats 9% | 103 / 113 | |
| Equity / Assets | 8.18% | 8.52% | 10.10% | 11.94% | Beats 19% | 91 / 113 | |
| Liquidity & Funding |
| Loans / Deposits | 65.59% | 62.08% | 77.32% | 88.06% | 29th pctl | 79 / 111 | |
| Loans / Assets | 59.64% | 55.01% | 66.35% | 75.50% | 35th pctl | 74 / 113 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |