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United Bankers' Bank
Richfield, MN · FDIC Certificate #22180 · Chartered 12/1
Total assets
$1.05B
Total deposits
$635.55M
Total equity
$147.03M
Net loans
$766.52M
Branches (offices)
1
Net income (YTD)
$7.24M
Rank: #1,003 of 4,213 U.S. banks by assets · #18 of 221 in Minnesota. Assets changed -6.8% and deposits 3.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.28% |
| Return on equity | 10.10% |
| Net interest margin (YTD) | 3.10% |
| Equity to assets | 13.99% |
| Tier 1 leverage ratio | 14.46% |
| Uninsured deposits (share of deposits) | 36.9% |
| Noncurrent loans (share of loans) | 0.76% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 120.6% |
| Real estate loans (share of loans) | 65.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $499.90M | 65.2% | |
| Commercial & industrial | $74.15M | 9.7% | |
| Consumer / individual | $879.00K | 0.1% | |
| Construction & development | $76.47M | 10.0% | |
| Agricultural | $1.43M | 0.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.29B | $653.10M | $5.66M | $116.78M |
| Jun 2023 | $1.22B | $653.83M | $3.50M | $120.75M |
| Jun 2024 | $1.11B | $627.12M | $3.15M | $127.39M |
| Jun 2025 | $1.13B | $615.68M | $3.35M | $135.66M |
| Jun 2026 | $1.05B | $635.55M | $7.24M | $147.03M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Minnesota | $635.55M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $635.55M.
Similar-sized banks
Onelocal Bank ($1.05B) · Belmont Bank & Trust Company ($1.05B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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