| Metric | United Minnesota Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.1% | +3.0% | +9.1 pts |
| Deposit growth (YoY) | +12.3% | +2.5% | +9.8 pts |
| Loan growth (YoY) | +24.6% | +2.6% | +22.0 pts |
| ROA | 1.60% | 0.99% | +0.6 pts |
| ROE | 21.0% | 8.1% | +13.0 pts |
ROA ranks in the 79th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $56.9M | $52.5M | $44.6M | $4.3M | $435K | 1.60% | 4.82% | 0.43% |
| Q1 2026 | $53.6M | $49.4M | $41.4M | $4.0M | $213K | 1.61% | 4.70% | 0.17% |
| Q4 2025 | $52.4M | $48.1M | $39.5M | $4.1M | $581K | 1.15% | 4.78% | 0.19% |
| Q3 2025 | $49.8M | $45.6M | $38.1M | $4.0M | $516K | 1.38% | 4.78% | 0.21% |
| Q2 2025 | $50.8M | $46.8M | $35.8M | $3.9M | $404K | 1.61% | 4.73% | 0.35% |
| Q1 2025 | $49.8M | $45.9M | $34.1M | $3.7M | $199K | 1.60% | 4.66% | 0.40% |
| Q4 2024 | $49.8M | $45.9M | $33.9M | $3.7M | $402K | 0.82% | 4.65% | 0.40% |
| Q3 2024 | $48.9M | $44.7M | $32.7M | $4.0M | $726K | 1.99% | 4.56% | 0.62% |
Loan mix (Q2 2026): real estate $33.4M · commercial $6.0M · consumer $4.0M · securities $3.1M
| Ratio | United Minnesota Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.60% | 0.99% | 79th | |
Return on equity Annualized net income ÷ equity or net worth | 21.0% | 8.1% | 96th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.82% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.5% | 70.8% | 20th |
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 Minnesota 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 Minnesota 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 Minnesota 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 Minnesota Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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