| Metric | United Bankers' Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.8% | +5.5% | -12.3 pts |
| Deposit growth (YoY) | +3.2% | +5.1% | -1.8 pts |
| Loan growth (YoY) | +0.5% | +6.0% | -5.5 pts |
| ROA | 1.28% | 1.26% | +0.0 pts |
| ROE | 10.1% | 12.2% | -2.1 pts |
ROA ranks in the 51st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.05B | $635.6M | $766.5M | $147.0M | $7.2M | 1.28% | 3.10% | 0.82% |
| Q1 2026 | $1.04B | $646.8M | $773.0M | $142.1M | $2.7M | 0.91% | 2.92% | 0.47% |
| Q4 2025 | $1.31B | $662.7M | $780.2M | $140.6M | $7.0M | 0.58% | 2.48% | 0.38% |
| Q3 2025 | $1.14B | $610.6M | $783.8M | $137.9M | $5.0M | 0.56% | 2.41% | 0.55% |
| Q2 2025 | $1.13B | $615.7M | $762.7M | $135.7M | $3.4M | 0.55% | 2.27% | 0.30% |
| Q1 2025 | $1.25B | $643.2M | $717.5M | $133.4M | $2.1M | 0.66% | 2.03% | 0.28% |
| Q4 2024 | $1.25B | $672.0M | $706.2M | $131.0M | $4.1M | 0.35% | 1.83% | 0.16% |
| Q3 2024 | $1.12B | $653.0M | $704.2M | $131.3M | $3.8M | 0.45% | 1.78% | 0.78% |
Loan mix (Q2 2026): real estate $499.9M · commercial $74.1M · consumer $879K · securities $89.9M
| Ratio | United Bankers' Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.28% | 1.26% | 51st | |
Return on equity Annualized net income ÷ equity or net worth | 10.1% | 12.2% | 34th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.10% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.3% | 59.0% | 81st |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | United Bankers' Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | United Bankers' Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | United Bankers' Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | United Bankers' Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | United Bankers' Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
Spends 3.5× the peer median on technology. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).
1 branches in 1 county across 1 state (+0 vs 2025) · $635.6M branch deposits. Biggest market: Hennepin, MN, ranked 20th with 0.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Hennepin, MN | 1 | $635.6M | 0.42% | 20th |
Minnesota: 61st with 0.18% · Minneapolis-St. Paul-Bloomington metro: 38th, 0.23% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1