BlastPoint's Banking Scorecard

United Bankers' Bank

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

Richfield, MN

884 banks in the $1B-$10B peer group nationally 16 in 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 31.2% in tier
+ Non-Interest-Bearing Deposit Share 32.52% above tier average
+ Delinquency Rate 0.59% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 21.3% in tier
- ROA 0.46% below tier average
- Net Interest Margin 0.90% below tier average
- Efficiency Ratio 7.55% above tier average

Get updates when United Bankers' Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Total Assets ?	$1.0B -16.7% YoY -20.0% QoQ	-$1.8B	$2.8B -0.1% YoY	$512.9M +5.5% YoY	$6.2B +9.1% YoY	Bottom 4.3% in tier
Total Loans ?	$773.0M +7.7% YoY -0.9% QoQ	-$1.2B	$2.0B +0.6% YoY	$288.3M +6.9% YoY	$3.2B +10.8% YoY	Bottom 12.2% in tier
Total Deposits ?	$646.8M +0.6% YoY -2.4% QoQ	-$1.7B	$2.3B -0.3% YoY	$443.8M +5.0% YoY	$4.8B +8.2% YoY	Bottom 0.7% in tier
Return on Assets ?	0.91% +36.5% YoY +57.3% QoQ	-0.46%	1.37% +19.6% YoY	1.13% +10.7% YoY	1.23% +13.4% YoY	26%
Net Interest Margin ?	2.92% +43.7% YoY +17.7% QoQ	-0.90%	3.82% +6.9% YoY	3.93% +7.5% YoY	3.89% +5.7% YoY	Bottom 14.4% in tier
Efficiency Ratio ?	68.61% -10.8% YoY -10.5% QoQ	+7.55%	61.06% -4.6% YoY	64.77% -3.3% YoY	66.95% -4.1% YoY	25%
Delinquency Rate ?	0.29% -39.6% YoY +0.4% QoQ	-0.59%	0.89% +14.1% YoY	1.04% +28.9% YoY	0.95% +18.8% YoY	70%
Loan-to-Deposit Ratio ?	119.51% +7.1% YoY +1.5% QoQ	+35.30%	84.20% +0.3% YoY	76.69% -0.4% YoY	76.70% +0.9% YoY	Bottom 2.4% in tier
Non-Interest-Bearing Deposit Share ?	53.81% +6.4% YoY +0.5% QoQ	+32.52%	21.29% -2.5% YoY	21.87% -0.9% YoY	22.01% -1.2% YoY	Top 1.4% in tier
Nonperforming Asset Ratio ?	0.47% +69.1% YoY +24.7% QoQ	-0.20%	0.67% +15.6% YoY	0.77% +27.1% YoY	0.67% +19.3% YoY	47%
Tier 1 Capital Ratio ?	16.60% -0.3% YoY +3.0% QoQ	+1.44%	15.16% +2.0% YoY	15.37% +0.7% YoY	17.06% +0.8% YoY	84%
Non-Interest Income / Assets ?	0.48% +13.1% YoY -68.3% QoQ	+0.22%	0.26% +1.6% YoY	0.16% +5.0% YoY	0.32% +4.1% YoY	Top 6.7% in tier

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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 (1)

Revenue Diversifier

growth

#70 of 221 • Top 31.2% 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: 0.48%

(Tier: 0.26%, National: 0.32%)

better than tier avg

Return on Assets: 0.91%

(Tier: 1.37%, National: 1.23%)

but worse than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (1)

Liquidity Overhang

risk

#38 of 174 • Bottom 21.3% 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: 16.60%

(Tier: 15.16%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 119.51%

(Tier: 84.20%, National: 76.70%)

worse than tier avg

174 of 174 Mid-Market banks match · 939 nationally

→ Stable +13 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).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (3 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 53.81%

Peer Median: 21.29%

#13 of 884 Top 1.4% in $1B-$10B

Non-Interest Income / Assets

revenue_mix

Value: 0.48%

Peer Median: 0.26%

#60 of 884 Top 6.7% in $1B-$10B

140

Tier 1 Capital Ratio

capital

Value: 16.60%

Peer Median: 15.16%

#140 of 884 Top 15.7% in $1B-$10B

Top Weaknesses (6 metrics)

879

Total Deposits

size

Value: $646.79M

Peer Median: $2.34B

#879 of 884 Bottom 0.7% in $1B-$10B

864

Loan-to-Deposit Ratio

liquidity

Value: 119.51%

Peer Median: 84.20%

#864 of 884 Bottom 2.4% in $1B-$10B

847

Total Assets

size

Value: $1.04B

Peer Median: $2.82B

#847 of 884 Bottom 4.3% in $1B-$10B

777

Total Loans

size

Value: $772.96M

Peer Median: $1.96B

#777 of 884 Bottom 12.2% in $1B-$10B

758

Net Interest Margin

profitability

Value: 2.92%

Peer Median: 3.82%

#758 of 884 Bottom 14.4% in $1B-$10B

664

Efficiency Ratio

profitability

Value: 68.61%

Peer Median: 61.06%

#664 of 884 Bottom 25.0% in $1B-$10B