BlastPoint's Banking Scorecard
United Minnesota Bank
Designations: ✓ Community bank
New London, MN
United Minnesota Bank shows strong momentum with 4 strengths and 7.6% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.77% above tier average
- + Net Interest Margin 0.84% above tier average
- + Efficiency Ratio 30.58% below tier average
- + Delinquency Rate 1.16% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$53.6M
+7.6% YoY
+2.2% QoQ
|
-$8.6M |
$62.2M
-0.6% YoY
|
$512.9M
+5.5% YoY
|
$6.2B
+9.1% YoY
|
36% |
| Total Loans ? |
$41.4M
+21.4% YoY
+4.8% QoQ
|
+$7.1M |
$34.2M
-1.4% YoY
|
$288.3M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
65% |
| Total Deposits ? |
$49.4M
+7.6% YoY
+2.5% QoQ
|
-$2.4M |
$51.7M
-0.7% YoY
|
$443.8M
+5.0% YoY
|
$4.8B
+8.2% YoY
|
43% |
| Return on Assets ? |
1.61%
+0.5% YoY
+39.7% QoQ
|
+0.77% |
0.84%
-2.3% YoY
|
1.13%
+10.7% YoY
|
1.23%
+13.4% YoY
|
81% |
| Net Interest Margin ? |
4.70%
+1.0% YoY
-1.6% QoQ
|
+0.84% |
3.86%
+2.8% YoY
|
3.93%
+7.5% YoY
|
3.89%
+5.7% YoY
|
82% |
| Efficiency Ratio ? |
57.76%
-2.2% YoY
-9.6% QoQ
|
-30.58% |
88.34%
+0.3% YoY
|
64.77%
-3.3% YoY
|
66.95%
-4.1% YoY
|
79% |
| Delinquency Rate ? |
0.22%
-43.4% YoY
-12.3% QoQ
|
-1.16% |
1.37%
+33.8% YoY
|
1.04%
+28.9% YoY
|
0.95%
+18.8% YoY
|
59% |
| Loan-to-Deposit Ratio ? |
83.81%
+12.9% YoY
+2.2% QoQ
|
+19.60% |
64.22%
-0.7% YoY
|
76.69%
-0.4% YoY
|
76.70%
+0.9% YoY
|
22% |
| Non-Interest-Bearing Deposit Share ? |
34.04%
+1.4% YoY
+4.3% QoQ
|
+10.32% |
23.71%
+0.3% YoY
|
21.87%
-0.9% YoY
|
22.01%
-1.2% YoY
|
84% |
| Nonperforming Asset Ratio ? |
0.17%
-58.0% YoY
-10.1% QoQ
|
-0.62% |
0.79%
+28.2% YoY
|
0.77%
+27.1% YoY
|
0.67%
+19.3% YoY
|
54% |
| Tier 1 Capital Ratio ? |
11.90%
-7.0% YoY
-4.3% QoQ
|
-14.78% |
26.68%
+2.0% YoY
|
15.37%
+0.7% YoY
|
17.06%
+0.8% YoY
|
22% |
| Non-Interest Income / Assets ? |
0.06%
+37.4% YoY
-74.8% QoQ
|
-0.60% |
0.67%
+1.9% YoY
|
0.16%
+5.0% YoY
|
0.32%
+4.1% YoY
|
51% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.