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United Minnesota Bank
New London, MN · FDIC Certificate #10567 · Chartered 05/0
Total assets
$56.92M
Total deposits
$52.50M
Total equity
$4.26M
Net loans
$44.61M
Branches (offices)
1
Net income (YTD)
$435.00K
Rank: #3,993 of 4,213 U.S. banks by assets · #199 of 221 in Minnesota. Assets changed 12.1% and deposits 12.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.60% |
| Return on equity | 21.04% |
| Net interest margin (YTD) | 4.82% |
| Equity to assets | 7.48% |
| Tier 1 leverage ratio | 7.78% |
| Uninsured deposits (share of deposits) | 13.6% |
| Noncurrent loans (share of loans) | 0.54% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 85.0% |
| Real estate loans (share of loans) | 74.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $33.35M | 74.8% | |
| Commercial & industrial | $6.03M | 13.5% | |
| Consumer / individual | $4.00M | 9.0% | |
| Construction & development | $2.60M | 5.8% | |
| Agricultural | $1.30M | 2.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $49.14M | $46.21M | $171.00K | $2.86M |
| Jun 2023 | $48.03M | $44.51M | $427.00K | $3.42M |
| Jun 2024 | $49.63M | $45.77M | $444.00K | $3.73M |
| Jun 2025 | $50.80M | $46.76M | $404.00K | $3.93M |
| Jun 2026 | $56.92M | $52.50M | $435.00K | $4.26M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Minnesota | $52.50M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $52.50M.
Similar-sized banks
Citizens State Bank Of Milford ($56.92M) · Arlington State Bank ($56.70M)
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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