BlastPoint's Banking Scorecard

United Minnesota Bank

under $100M Specialty: Consumer MN FDIC cert 10567

Designations: ✓ Community bank

New London, MN

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 536 banks in the under $100M peer group nationwide — 1 of 52 in MN.
Deposits +12.3% year over year ($52.5M on the books).
Delinquency rate 0.55%.
Return on assets 1.60%.
Efficiency ratio 56.46% vs a 119.40% peer average.
Loan-to-deposit ratio 84.98% vs a 74.21% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

536 banks in the under $100M peer group nationally 52 in MN

View under $100M leaderboard (MN) →

United Minnesota Bank shows strong momentum with 4 strengths and 12.1% YoY asset growth

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ ROA 0.60% above tier average
+ Net Interest Margin 0.91% above tier average
+ Efficiency Ratio 62.94% below tier average
+ Delinquency Rate 0.93% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when United Minnesota Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Total Assets ?	$56.9M +12.1% YoY +6.2% QoQ	-$5.5M	$62.4M -0.0% YoY	$524.5M +5.8% YoY	$6.3B +7.7% YoY	40%
Total Loans ?	$44.6M +24.6% YoY +7.8% QoQ	+$9.7M	$34.9M -0.6% YoY	$300.2M +7.3% YoY	$3.2B +9.4% YoY	69%
Total Deposits ?	$52.5M +12.3% YoY +6.4% QoQ	+$873K	$51.6M -0.2% YoY	$452.1M +5.5% YoY	$4.9B +7.3% YoY	49%
Return on Assets ?	1.60% -0.7% YoY -0.3% QoQ	+0.60%	1.00% +3.5% YoY	1.26% +17.2% YoY	1.30% +12.1% YoY	79%
Net Interest Margin ?	4.82% +1.9% YoY +2.5% QoQ	+0.91%	3.91% +2.3% YoY	4.00% +6.8% YoY	3.95% +4.9% YoY	83%
Efficiency Ratio ?	56.46% -4.2% YoY -2.3% QoQ	-62.94%	119.40% +49.6% YoY	63.00% -3.5% YoY	70.05% +2.5% YoY	80%
Delinquency Rate ?	0.55% +79.6% YoY +151.4% QoQ	-0.93%	1.48% +31.8% YoY	1.01% +19.3% YoY	0.98% +16.3% YoY	48%
Loan-to-Deposit Ratio ?	84.98% +11.0% YoY +1.4% QoQ	+10.77%	74.21% +12.6% YoY	78.29% -0.6% YoY	79.03% +2.3% YoY	22%
Non-Interest-Bearing Deposit Share ?	34.10% -7.0% YoY +0.2% QoQ	+10.61%	23.49% +0.6% YoY	21.79% +0.9% YoY	21.98% -0.6% YoY	83%
Nonperforming Asset Ratio ?	0.43% +23.0% YoY +155.3% QoQ	-0.41%	0.84% +23.0% YoY	0.76% +16.9% YoY	0.69% +15.8% YoY	42%
Tier 1 Capital Ratio ?	11.86% -11.9% YoY -0.4% QoQ	-15.27%	27.13% +3.0% YoY	15.35% -0.4% YoY	17.09% +0.8% YoY	21%
Non-Interest Income / Assets ?	0.11% +0.4% YoY +74.5% QoQ	-1.27%	1.38% +6.3% YoY	0.31% +3.9% YoY	0.66% +5.2% YoY	45%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Noninterest-Bearing	34.1% -2.6pp YoY +0.1pp QoQ	+9.5pp	24.6%	21.9%	22.2%	82%
Brokered Deposits	3.8%	-6.0pp	9.8%	8.3%	8.5%	34%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
C&I	13.5% +0.2pp YoY +0.3pp QoQ	+0.1pp	13.4%	14.6%	12.5%	62%
CRE	15.6%	-9.6pp	25.2%	36.5%	41.4%	35%
1-4 Family	56.5% +3.5pp YoY +1.1pp QoQ	+21.5pp	35.0%	29.4%	31.3%	78%
Consumer	9.0% -2.7pp YoY -0.7pp QoQ	+1.3pp	7.7%	4.5%	5.0%	74%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
CET1 Ratio	11.9% -1.6pp YoY 0.0pp QoQ	-26.8pp	38.7%	16.5%	19.7%	6%
Leverage Ratio	7.8% -0.1pp YoY +0.2pp QoQ	-9.9pp	17.7%	11.0%	12.6%	2%
Total Capital Ratio	12.9% -1.7pp YoY 0.0pp QoQ	-26.8pp	39.7%	17.6%	20.8%	6%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Full-Time Employees	6 0 YoY 0 QoQ	-6	12	55	482	13%
Assets per Employee ($)	$9.5M +12.1% YoY +6.2% QoQ	+$3.3M	$6.2M	$8.6M	$8.8M	91%
Branch Count	1 0 YoY 0 QoQ	-1	1	4	18	0%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Past Due 90+ Days	0.3%	-0.6pp	1.0%	0.4%	0.4%	46%
Nonaccrual	0.2% -0.1pp YoY 0.0pp QoQ	-1.5pp	1.7%	1.0%	1.0%	23%
Allowance Coverage	1.48x -51.3% YoY -59.8% QoQ	-4.93x	6.41x	20.41x	20.23x	52%
Net Charge-off Rate (YTD)	n/a	n/a	0.2%	0.2%	0.2%	n/a

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
ROE	21.0% -0.3pp YoY +0.1pp QoQ	+14.6pp	6.4%	13.1%	11.6%	96%
Cost of Funds (YTD)	0.9% +0.2pp YoY 0.0pp QoQ	-0.5pp	1.4%	1.7%	1.7%	20%
Net Income ($, YTD)	$435,000 +7.7% YoY — QoQ	+$117K	$317,817	$4.5M	$40.4M	67%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 536 peers in under $100M

Top Strengths (4 metrics)

Net Interest Margin

profitability

Value: 4.82%

Peer Median: 3.91%

#90 of 536 Top 16.6% in under $100M

Non-Interest-Bearing Deposit Share

funding

Value: 34.10%

Peer Median: 23.49%

#91 of 536 Top 16.8% in under $100M

107

Efficiency Ratio

profitability

Value: 56.46%

Peer Median: 119.40%

#107 of 536 Top 19.8% in under $100M

114

Return on Assets

profitability

Value: 1.60%

Peer Median: 1.00%

#114 of 536 Top 21.1% in under $100M

Top Weaknesses (2 metrics)

425

Tier 1 Capital Ratio

capital

Value: 11.86%

Peer Median: 27.13%

#425 of 536 Bottom 20.9% in under $100M

417

Loan-to-Deposit Ratio

liquidity

Value: 84.98%

Peer Median: 74.21%

#417 of 536 Bottom 22.4% in under $100M