United Community Bank
Total assets
$359.3M
▲ +3.7% YoY
Deposits
$326.7M
▲ +2.5% YoY
Loans
$211.2M
▲ +2.7% YoY
Offices
3
PERHAM STATE BANCSHARES INC
ROA (annualized)
0.88%
peers 1.24%
ROE (annualized)
10.82%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | United Community Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.7% | +4.4% | -0.7 pts |
| Deposit growth (YoY) | +2.5% | +4.0% | -1.5 pts |
| Loan growth (YoY) | +2.7% | +5.6% | -2.9 pts |
| ROA | 0.88% | 1.24% | -0.4 pts |
| ROE | 10.8% | 11.9% | -1.0 pts |
ROA ranks in the 29th percentile of its peer group · Q2 2026
Profile
- Established
- 1911
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- PERHAM STATE BANCSHARES INC
- Specialization
- Commercial Lending Specialization
- Address
- 301 W Main St, Perham, MN, 56573
- County
- Otter Tail
- Metro area
- Fergus Falls, MN
- Offices
- 3
- FDIC cert #
- 8544
- RSSD ID
- 847157
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $359.3M | $326.7M | $211.2M | $29.4M | $1.6M | 0.88% | 3.47% | 1.76% |
| Q1 2026 | $352.4M | $321.0M | $208.9M | $28.3M | $842K | 0.95% | 3.44% | 1.76% |
| Q4 2025 | $354.1M | $322.0M | $209.1M | $28.8M | $3.8M | 1.07% | 3.47% | 1.81% |
| Q3 2025 | $351.6M | $321.0M | $205.2M | $27.0M | $2.8M | 1.06% | 3.45% | 0.61% |
| Q2 2025 | $346.5M | $318.9M | $205.7M | $24.2M | $1.6M | 0.92% | 3.40% | 0.53% |
| Q1 2025 | $350.3M | $323.3M | $200.7M | $23.7M | $824K | 0.95% | 3.32% | 0.45% |
| Q4 2024 | $345.7M | $319.9M | $203.1M | $22.5M | $2.9M | 0.87% | 3.25% | 0.76% |
| Q3 2024 | $348.8M | $320.5M | $202.2M | $24.9M | $2.3M | 0.91% | 3.22% | 0.07% |
Loan mix (Q2 2026): real estate $162.9M · commercial $32.1M · consumer $10.8M · securities $92.8M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | United Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.88% | 1.24% | 29th | |
Return on equity Annualized net income ÷ equity or net worth | 10.8% | 11.9% | 43th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.47% | 3.96% | 26th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.7% | 62.9% | 76th | |
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% |
Balance sheet
| Ratio | United Community 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% |
Capital
| Ratio | United Community 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% |
Credit quality
| Ratio | United Community 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% |
Franchise
| Ratio | United Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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