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United Bankers' Bank

$1B-$10B Specialty: Commercial MN FDIC cert 22180

Richfield, 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 885 banks in the $1B-$10B peer group nationwide — 1 of 17 in MN.
  • Deposits +3.2% year over year ($635.6M on the books).
  • Delinquency rate 0.78%.
  • Return on assets 1.28%.
  • Efficiency ratio 71.33% vs a 59.73% peer average.
  • Loan-to-deposit ratio 120.61% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 17 in MN
View $1B-$10B leaderboard (MN) →

United Bankers' Bank has 3 strengths but faces 4 concerns

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

  • + Revenue Diversifier: Top 23.4% in tier
  • + Non-Interest-Bearing Deposit Share 30.85% above tier average
  • + Delinquency Rate 0.09% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 16.3% in tier
  • - ROA 0.11% below tier average
  • - Net Interest Margin 0.77% below tier average
  • - Efficiency Ratio 11.61% above tier average
Get updates when United Bankers' 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 ? $1.1B
-6.8% YoY +0.6% QoQ
-$1.7B $2.8B
-0.6% YoY
$524.5M
+5.8% YoY
$6.3B
+7.7% YoY
Bottom 4.7% in tier
Total Loans ? $766.5M
+0.5% YoY -0.8% QoQ
-$1.2B $2.0B
-0.3% YoY
$300.2M
+7.3% YoY
$3.2B
+9.4% YoY
Bottom 11.6% in tier
Total Deposits ? $635.6M
+3.2% YoY -1.7% QoQ
-$1.7B $2.3B
-0.5% YoY
$452.1M
+5.5% YoY
$4.9B
+7.3% YoY
Bottom 0.5% in tier
Return on Assets ? 1.28%
+130.4% YoY +40.9% QoQ
-0.11% 1.39%
+17.0% YoY
1.26%
+17.2% YoY
1.30%
+12.1% YoY
51%
Net Interest Margin ? 3.10%
+36.6% YoY +6.3% QoQ
-0.77% 3.87%
+6.2% YoY
4.00%
+6.8% YoY
3.95%
+4.9% YoY
19%
Efficiency Ratio ? 71.33%
-9.3% YoY +4.0% QoQ
+11.61% 59.73%
-12.6% YoY
63.00%
-3.5% YoY
70.05%
+2.5% YoY
19%
Delinquency Rate ? 0.78%
+76.8% YoY +164.3% QoQ
-0.09% 0.87%
+11.7% YoY
1.01%
+19.3% YoY
0.98%
+16.3% YoY
36%
Loan-to-Deposit Ratio ? 120.61%
-2.6% YoY +0.9% QoQ
+35.57% 85.04%
-0.1% YoY
78.29%
-0.6% YoY
79.03%
+2.3% YoY
Bottom 2.3% in tier
Non-Interest-Bearing Deposit Share ? 52.12%
+2.6% YoY -3.1% QoQ
+30.85% 21.27%
-1.5% YoY
21.79%
+0.9% YoY
21.98%
-0.6% YoY
Top 1.5% in tier
Nonperforming Asset Ratio ? 0.82%
+175.1% YoY +74.0% QoQ
+0.14% 0.67%
+11.7% YoY
0.76%
+16.9% YoY
0.69%
+15.8% YoY
27%
Tier 1 Capital Ratio ? 17.12%
+7.1% YoY +3.1% QoQ
+2.28% 14.84%
-0.4% YoY
15.35%
-0.4% YoY
17.09%
+0.8% YoY
Top 14.7% in tier
Non-Interest Income / Assets ? 0.99%
+11.8% YoY +106.9% QoQ
+0.46% 0.53%
+2.5% YoY
0.31%
+3.9% YoY
0.66%
+5.2% YoY
Top 6.2% in tier

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 52.1%
+1.3pp YoY
-1.7pp QoQ
 +30.8pp 21.4% 21.9% 22.2% 98%
Brokered Deposits 38.1%
-7.9pp YoY
-0.5pp QoQ
 +28.6pp 9.5% 8.3% 8.5% 97%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
C&I 9.7%
-0.7pp YoY
+0.9pp QoQ
 -4.3pp 14.0% 14.6% 12.5% 43%
CRE 59.2%
-1.5pp YoY
-1.5pp QoQ
 +9.2pp 50.0% 36.5% 41.4% 74%
1-4 Family 5.7%
+0.7pp YoY
+0.2pp QoQ
 -20.7pp 26.4% 29.4% 31.3% 8%
Consumer 0.1%
0.0pp YoY
0.0pp QoQ
 -4.6pp 4.7% 4.5% 5.0% 14%

Capital

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
CET1 Ratio 17.1%
+1.1pp YoY
+0.5pp QoQ
 +1.5pp 15.6% 16.5% 19.7% 83%
Leverage Ratio 14.5%
+0.8pp YoY
+0.8pp QoQ
 +3.1pp 11.3% 11.0% 12.6% 92%
Total Capital Ratio 18.4%
+1.1pp YoY
+0.5pp QoQ
 +1.7pp 16.7% 17.6% 20.8% 84%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Full-Time Employees 133
0 YoY
-1 (-0.7%) QoQ
 -181 313 55 482 18%
Assets per Employee ($) $7.9M
-6.8% YoY
+1.3% QoQ
 -$2.6M $10.5M $8.6M $8.8M 38%
Branch Count 1
0 YoY
0 QoQ
 -19 20 4 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.2% 0.4% 0.4% 10%
Nonaccrual 0.8%
+0.3pp YoY
+0.5pp QoQ
 0.0pp 0.8% 1.0% 1.0% 65%
Allowance Coverage 2.26x
-40.6% YoY
-62.1% QoQ
 -16.45x 18.71x 20.41x 20.23x 53%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.3% 0.2% 0.2% 39%

Profitability

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
ROE 10.1%
+5.1pp YoY
+2.6pp QoQ
 -2.5pp 12.6% 13.1% 11.6% 34%
Cost of Funds (YTD) 1.9%
-0.2pp YoY
0.0pp QoQ
 0.0pp 1.9% 1.7% 1.7% 50%
Net Income ($, YTD) $7.2M
+115.8% YoY
— QoQ
 -$12.0M $19.2M $4.5M $40.4M 25%

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 (1)

Revenue Diversifier

growth
#53 of 222 • Top 23.4% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.99%
(Tier: 0.53%, National: 0.66%)
better than tier avg
Return on Assets: 1.28%
(Tier: 1.39%, National: 1.30%)
but worse than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (1)

Liquidity Overhang

risk
#29 of 172 • Bottom 16.3% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 17.12%
(Tier: 14.84%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 120.61%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
172 of 172 Mid-Market banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank improving

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).
Comparing against 885 peers in $1B-$10B

Top Strengths (3 metrics)

14
Non-Interest-Bearing Deposit Share
funding
Value: 52.12%
Peer Median: 21.27%
#14 of 885 Top 1.5% in $1B-$10B
56
Non-Interest Income / Assets
revenue_mix
Value: 0.99%
Peer Median: 0.53%
#56 of 885 Top 6.2% in $1B-$10B
131
Tier 1 Capital Ratio
capital
Value: 17.12%
Peer Median: 14.84%
#131 of 885 Top 14.7% in $1B-$10B

Top Weaknesses (6 metrics)

882
Total Deposits
size
Value: $635.55M
Peer Median: $2.32B
#882 of 885 Bottom 0.5% in $1B-$10B
866
Loan-to-Deposit Ratio
liquidity
Value: 120.61%
Peer Median: 85.04%
#866 of 885 Bottom 2.3% in $1B-$10B
844
Total Assets
size
Value: $1.05B
Peer Median: $2.79B
#844 of 885 Bottom 4.7% in $1B-$10B
783
Total Loans
size
Value: $766.52M
Peer Median: $1.96B
#783 of 885 Bottom 11.6% in $1B-$10B
721
Efficiency Ratio
profitability
Value: 71.33%
Peer Median: 59.73%
#721 of 885 Bottom 18.6% in $1B-$10B
718
Net Interest Margin
profitability
Value: 3.10%
Peer Median: 3.87%
#718 of 885 Bottom 19.0% in $1B-$10B
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