BlastPoint's Banking Scorecard

United Community Bank

$100M-$1B Specialty: Commercial MN FDIC cert 8544

Designations: ✓ CDFI-certified

Perham, MN

3 branches across 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 151 in MN.
Deposits +2.5% year over year ($326.7M on the books).
Delinquency rate 2.99%.
Return on assets 0.88%.
Efficiency ratio 73.70% vs a 64.48% peer average.
Loan-to-deposit ratio 64.63% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 151 in MN

View $100M-$1B leaderboard (MN) →

United Community Bank faces 7 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 41.5% in tier
- Delinquency Rate 2.08% above tier average
- Non-Interest-Bearing Deposit Share 16.95% below tier average
- Nonperforming Asset Ratio 1.09% above tier average
- ROA 0.44% below tier average
- Net Interest Margin 0.51% below tier average
- Efficiency Ratio 9.22% above tier average

Get updates when United Community 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 ?	$359.3M +3.7% YoY +2.0% QoQ	-$27.3M	$386.6M +1.2% YoY	$524.5M +5.8% YoY	$6.3B +7.7% YoY	56%
Total Loans ?	$211.2M +2.7% YoY +1.1% QoQ	-$47.2M	$258.3M +1.7% YoY	$300.2M +7.3% YoY	$3.2B +9.4% YoY	51%
Total Deposits ?	$326.7M +2.5% YoY +1.8% QoQ	+$6K	$326.7M +0.7% YoY	$452.1M +5.5% YoY	$4.9B +7.3% YoY	59%
Return on Assets ?	0.88% -4.3% YoY -7.8% QoQ	-0.44%	1.32% +10.8% YoY	1.26% +17.2% YoY	1.30% +12.1% YoY	27%
Net Interest Margin ?	3.47% +2.2% YoY +1.0% QoQ	-0.51%	3.99% +5.0% YoY	4.00% +6.8% YoY	3.95% +4.9% YoY	27%
Efficiency Ratio ?	73.70% +3.9% YoY +0.2% QoQ	+9.22%	64.48% -3.2% YoY	63.00% -3.5% YoY	70.05% +2.5% YoY	22%
Delinquency Rate ?	2.99% +272.5% YoY +4.2% QoQ	+2.08%	0.92% +15.7% YoY	1.01% +19.3% YoY	0.98% +16.3% YoY	Bottom 6.4% in tier
Loan-to-Deposit Ratio ?	64.63% +0.2% YoY -0.7% QoQ	-13.32%	77.95% +1.0% YoY	78.29% -0.6% YoY	79.03% +2.3% YoY	77%
Non-Interest-Bearing Deposit Share ?	5.08% +3.6% YoY +5.6% QoQ	-16.95%	22.03% -0.6% YoY	21.79% +0.9% YoY	21.98% -0.6% YoY	Bottom 3.7% in tier
Nonperforming Asset Ratio ?	1.76% +231.0% YoY +0.1% QoQ	+1.09%	0.67% +16.4% YoY	0.76% +16.9% YoY	0.69% +15.8% YoY	Bottom 9.4% in tier
Tier 1 Capital Ratio ?	10.49% +3.1% YoY -1.5% QoQ	-5.42%	15.91% +1.4% YoY	15.35% -0.4% YoY	17.09% +0.8% YoY	17%
Non-Interest Income / Assets ?	0.24% +3.4% YoY +85.3% QoQ	-0.32%	0.57% +7.6% YoY	0.31% +3.9% YoY	0.66% +5.2% YoY	61%

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	5.1% +0.2pp YoY +0.3pp QoQ	-17.1pp	22.1%	21.9%	22.2%	3%
Brokered Deposits	n/a	n/a	7.9%	8.3%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
C&I	15.2% -0.2pp YoY -1.1pp QoQ	+3.6pp	11.6%	14.6%	12.5%	77%
CRE	29.5% -4.2pp YoY +0.6pp QoQ	-10.0pp	39.5%	36.5%	41.4%	34%
1-4 Family	43.0% +5.2pp YoY +1.3pp QoQ	+10.4pp	32.6%	29.4%	31.3%	75%
Consumer	5.1% -0.1pp YoY -0.1pp QoQ	+1.0pp	4.1%	4.5%	5.0%	77%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	16.5%	19.7%	n/a
Leverage Ratio	10.5% +0.3pp YoY -0.2pp QoQ	-1.7pp	12.2%	11.0%	12.6%	41%
Total Capital Ratio	n/a	n/a	19.9%	17.6%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Full-Time Employees	54 0 YoY +2 (+3.8%) QoQ	-5	58	55	482	57%
Assets per Employee ($)	$6.7M +3.7% YoY -1.8% QoQ	-$865K	$7.5M	$8.6M	$8.8M	46%
Branch Count	3 0 YoY 0 QoQ	-2	4	4	18	26%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.4%	0.4%	n/a
Nonaccrual	3.0% +2.3pp YoY +0.2pp QoQ	+2.1pp	0.9%	1.0%	1.0%	94%
Allowance Coverage	0.49x -74.2% YoY -5.3% QoQ	-23.66x	24.15x	20.41x	20.23x	10%
Net Charge-off Rate (YTD)	0.0% -0.1pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.2%	0.2%	47%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
ROE	10.8% -2.8pp YoY -1.0pp QoQ	-1.4pp	12.2%	13.1%	11.6%	42%
Cost of Funds (YTD)	1.8% -0.1pp YoY 0.0pp QoQ	+0.1pp	1.7%	1.7%	1.7%	61%
Net Income ($, YTD)	$1.6M -2.2% YoY — QoQ	-$994K	$2.6M	$4.5M	$40.4M	43%

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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 (1)

Capital Thin

risk

#275 of 661 • Bottom 41.5% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.49%

(Tier: 15.91%, National: 17.09%)

worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank declining

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 2643 peers in $100M-$1B

Top Strengths (1 metrics)

610

Loan-to-Deposit Ratio

liquidity

Value: 64.63%

Peer Median: 77.95%

#610 of 2643 Top 23.0% in $100M-$1B

Top Weaknesses (5 metrics)

2545

Non-Interest-Bearing Deposit Share

funding

Value: 5.08%

Peer Median: 22.03%

#2545 of 2643 Bottom 3.7% in $100M-$1B

2466

Delinquency Rate

credit_quality

Value: 2.99%

Peer Median: 0.92%

#2466 of 2633 Bottom 6.4% in $100M-$1B

2396

Nonperforming Asset Ratio

credit_quality

Value: 1.76%

Peer Median: 0.67%

#2396 of 2643 Bottom 9.4% in $100M-$1B

2204

Tier 1 Capital Ratio

capital

Value: 10.49%

Peer Median: 15.91%

#2204 of 2643 Bottom 16.6% in $100M-$1B

2050

Efficiency Ratio

profitability

Value: 73.70%

Peer Median: 64.48%

#2050 of 2643 Bottom 22.5% in $100M-$1B