BlastPoint's Banking Scorecard
United Bankers' Bank
Community
Specialty: Commercial
MN
FDIC cert 22180
Richfield, MN
1484
banks in Community tier nationally
45 in MN
View Community leaderboard (MN) →
United Bankers' Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 48% in Community
- + Non-Interest-Bearing Deposit Share 32.49% above tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 16% in Community
- - Credit Quality Pressure: Bottom 17% in Community
- - Credit Risk Growth: Bottom 45% in Community
- - Net Interest Margin 1.19% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.3B
+4.5% YoY
+14.7% QoQ
|
-$85.4M |
$1.4B
+2.0% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
63% |
| Total Loans ? |
$780.2M
+10.5% YoY
-0.5% QoQ
|
-$195.3M |
$975.5M
+2.4% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
56% |
| Total Deposits ? |
$662.7M
-1.4% YoY
+8.5% QoQ
|
-$502.0M |
$1.2B
+1.7% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
35% |
| Return on Assets ? |
0.58%
+62.8% YoY
+2.3% QoQ
|
-0.59% |
1.16%
+17.2% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
Bottom 14% in tier |
| Net Interest Margin ? |
2.48%
+35.5% YoY
+2.9% QoQ
|
-1.19% |
3.66%
+9.1% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 6% in tier |
| Efficiency Ratio ? |
76.66%
-18.7% YoY
-1.2% QoQ
|
+14.03% |
62.63%
-5.3% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
Bottom 14% in tier |
| Delinquency Rate ? |
0.29%
+6.3% YoY
-36.8% QoQ
|
-0.34% |
0.63%
+18.3% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
62% |
| Loan-to-Deposit Ratio ? |
117.73%
+12.0% YoY
-8.3% QoQ
|
+34.67% |
83.06%
+0.3% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
Bottom 2% in tier |
| Non-Interest-Bearing Deposit Share ? |
53.53%
+9.9% YoY
+2.8% QoQ
|
+32.49% |
21.05%
-0.9% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
Top 1% in tier |
| Nonperforming Asset Ratio ? |
0.38%
+142.4% YoY
-31.6% QoQ
|
-0.12% |
0.50%
+20.3% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
47% |
| Tier 1 Capital Ratio ? |
16.11%
-2.0% YoY
+1.6% QoQ
|
+5.87% |
10.24%
-0.6% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
83% |
| Non-Interest Income / Assets ? |
1.50%
+22.1% YoY
+16.7% QoQ
|
+0.76% |
0.74%
-1.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
Top 7% in tier |
Signature Analysis
Strengths (2)
Revenue Diversifier
growth
#177 of 371 · Top 48% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.50%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
0.58%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank declining
Non-Interest-Bearing Deposit Share
metric
Top 1%
in Community
Why this stands out
Current:
53.53%
(Tier avg: 21.05%, National avg: 21.79%)
Concerns (4)
Liquidity Overhang
risk
#45 of 268 · Bottom 16% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
16.11%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
117.73%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
Credit Quality Pressure
risk
#136 of 808 · Bottom 17% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.29%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
Credit Risk Growth
risk
#287 of 642 · Bottom 45% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
Net Interest Margin
metric
Bottom 6%
in Community
Why this stands out
Current:
2.48%
(Tier avg: 3.66%, National avg: 3.75%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
99
99th pctile
Non-Interest-Bearing Deposit Share
Current: 53.53% · Tier avg: 21.05%
93
93th pctile
Non-Interest Income / Assets
Current: 1.50% · Tier avg: 0.74%
83
83th pctile
Tier 1 Capital Ratio
Current: 16.11% · Tier avg: 10.24%
63
63th pctile
Total Assets
Current: $1.3B · Tier avg: $1.4B
62
62th pctile
Delinquency Rate
Current: 0.29% · Tier avg: 0.63%
56
56th pctile
Total Loans
Current: $780.2M · Tier avg: $975.5M
47
47th pctile
Nonperforming Asset Ratio
Current: 0.38% · Tier avg: 0.50%
35
35th pctile
Total Deposits
Current: $662.7M · Tier avg: $1.2B
14
14th pctile
Efficiency Ratio
Current: 76.66% · Tier avg: 62.63%
14
14th pctile
Return on Assets
Current: 0.58% · Tier avg: 1.16%
6
6th pctile
Net Interest Margin
Current: 2.48% · Tier avg: 3.66%
2
2th pctile
Loan-to-Deposit Ratio
Current: 117.73% · Tier avg: 83.06%
Top Weaknesses
2
2th pctile
Loan-to-Deposit Ratio
Current: 117.73% · Tier avg: 83.06%
6
6th pctile
Net Interest Margin
Current: 2.48% · Tier avg: 3.66%
14
14th pctile
Return on Assets
Current: 0.58% · Tier avg: 1.16%
14
14th pctile
Efficiency Ratio
Current: 76.66% · Tier avg: 62.63%
35
35th pctile
Total Deposits
Current: $662.7M · Tier avg: $1.2B
47
47th pctile
Nonperforming Asset Ratio
Current: 0.38% · Tier avg: 0.50%
56
56th pctile
Total Loans
Current: $780.2M · Tier avg: $975.5M
62
62th pctile
Delinquency Rate
Current: 0.29% · Tier avg: 0.63%
63
63th pctile
Total Assets
Current: $1.3B · Tier avg: $1.4B
83
83th pctile
Tier 1 Capital Ratio
Current: 16.11% · Tier avg: 10.24%
93
93th pctile
Non-Interest Income / Assets
Current: 1.50% · Tier avg: 0.74%
99
99th pctile
Non-Interest-Bearing Deposit Share
Current: 53.53% · Tier avg: 21.05%