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United Community Bank

Perham, MN · Cert 8544 · Perham State Bancshares Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$359.3MAssets
$214.3MLoans
$326.7MDeposits
$29.4MEquity
Loan mix
78%RE $157.5M17%C&I $34.0M5%Consumer $11.0MQ2 2025Q2 2026
Deposit mix
95%Interest-bearing $310.1M5%Noninterest $16.6MQ2 2025Q2 2026

NIM

4.75%Q2 ’244.97%Q2 ’254.89%Q2 ’26+10%+1%

Non-interest income vs. expense

2.56%Q2 ’242.56%Q2 ’252.70%Q2 ’26-3%+10%

Executive Summary

  • Earnings: ROA of 0.78%, down 5 bps year over year; NIM at 3.21%.
  • Asset quality: problem loans at 2.95% of loans (+216 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 10.49%, up 32 bps from a year ago.
  • Funding: loans stand at 65.59% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.78%-5 bps YoY

Net Interest Margin (quarter, annualized)

3.21%+3 bps YoY

Efficiency Ratio (quarter, annualized)

73.83%+451 bps YoY

Tier 1 Leverage Ratio

10.49%+32 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.82%1.13%0.94%0.78%0.78%-5 bps
Return on Equity12.00%15.46%11.83%9.67%9.58%-242 bps
Net Interest Margin3.18%3.26%3.23%3.15%3.21%+3 bps
Efficiency Ratio69.31%62.71%69.61%73.58%73.83%+451 bps
Non-Interest Burden2.05%1.87%2.08%2.18%2.25%+20 bps
Growth
Asset Growth (YoY)4.51%0.79%2.42%0.60%3.70%-81 bps
Loan Growth (YoY)1.90%1.42%2.86%4.01%2.61%+70 bps
Deposit Growth (YoY)3.80%0.15%0.64%-0.73%2.46%-134 bps
Asset Quality
Nonperforming Loans / Loans0.79%0.94%2.93%2.83%2.95%+216 bps
Net Charge-Offs / Loans0.27%0.07%0.00%0.01%0.02%-26 bps
Allowance / Loans1.52%1.51%1.48%1.48%1.46%-6 bps
Allowance Coverage of NPLs1.9x1.6x0.5x0.5x0.5x-1.4x
Capital
Tier 1 Leverage Ratio10.18%10.30%10.42%10.65%10.49%+32 bps
Total Risk-Based Capital10.18%10.30%10.42%10.65%10.49%+32 bps
Equity / Assets6.98%7.67%8.15%8.03%8.18%+120 bps
Liquidity & Funding
Loans / Deposits65.49%64.91%65.90%66.07%65.59%+10 bps
Liquid Assets / Assets4.25%4.60%3.34%4.08%3.72%-53 bps
CRE / Total Capitaln/a180.58%167.57%155.64%n/an/a