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United Community Bank
Perham, MN · FDIC Certificate #8544 · Chartered 01/0
Total assets
$359.30M
Total deposits
$326.74M
Total equity
$29.38M
Net loans
$211.17M
Branches (offices)
3
Net income (YTD)
$1.56M
Rank: #2,206 of 4,213 U.S. banks by assets · #73 of 221 in Minnesota. Assets changed 3.7% and deposits 2.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.88% |
| Return on equity | 10.82% |
| Net interest margin (YTD) | 3.47% |
| Equity to assets | 8.18% |
| Tier 1 leverage ratio | 10.49% |
| Uninsured deposits (share of deposits) | 13.9% |
| Noncurrent loans (share of loans) | 2.95% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 64.6% |
| Real estate loans (share of loans) | 77.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $162.93M | 77.2% | |
| Commercial & industrial | $32.11M | 15.2% | |
| Consumer / individual | $10.80M | 5.1% | |
| Construction & development | $20.01M | 9.5% | |
| Agricultural | $8.08M | 3.8% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $331.72M | $310.70M | $1.06M | $18.35M |
| Jun 2023 | $326.85M | $304.22M | $1.15M | $19.37M |
| Jun 2024 | $331.56M | $307.23M | $1.24M | $21.07M |
| Jun 2025 | $346.50M | $318.90M | $1.60M | $24.18M |
| Jun 2026 | $359.30M | $326.74M | $1.56M | $29.38M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Minnesota | $326.74M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $326.74M.
Similar-sized banks
New Horizon Bank, National Association ($359.32M) · Logan Bank & Trust Company ($359.15M)
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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