BlastPoint's Banking Scorecard
United Community Bank
Micro
Specialty: Commercial
MN
FDIC cert 8544
Designations: ✓ Community bank
Perham, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
United Community Bank faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.33% above tier
- - Non-Interest-Bearing Deposit Share 17.50% below tier
- - Nonperforming Asset Ratio 1.35% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$354.1M
+2.4% YoY
+0.7% QoQ
|
+$136.6M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
81% |
| Total Loans ? |
$209.1M
+2.9% YoY
+1.9% QoQ
|
+$69.9M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
76% |
| Total Deposits ? |
$322.0M
+0.6% YoY
+0.3% QoQ
|
+$138.3M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
Top 15% in tier |
| Return on Assets ? |
1.07%
+22.9% YoY
+1.1% QoQ
|
-0.01% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
51% |
| Net Interest Margin ? |
3.47%
+6.9% YoY
+0.5% QoQ
|
-0.38% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
33% |
| Efficiency Ratio ? |
68.50%
-5.9% YoY
+0.6% QoQ
|
+0.77% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
44% |
| Delinquency Rate ? |
2.97%
+130.5% YoY
+212.5% QoQ
|
+2.33% |
0.64%
+24.4% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
Bottom 7% in tier |
| Loan-to-Deposit Ratio ? |
64.92%
+2.3% YoY
+1.5% QoQ
|
-9.60% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
69% |
| Non-Interest-Bearing Deposit Share ? |
4.90%
+8.2% YoY
-9.1% QoQ
|
-17.50% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
Bottom 5% in tier |
| Nonperforming Asset Ratio ? |
1.81%
+138.8% YoY
+196.9% QoQ
|
+1.35% |
0.45%
+25.1% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
Bottom 8% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.49%
+0.9% YoY
+39.6% QoQ
|
-0.07% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
69% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Delinquency Rate
metric
Bottom 7%
in Micro
Why this stands out
Current:
2.97%
(Tier avg: 0.64%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Bottom 5%
in Micro
Why this stands out
Current:
4.90%
(Tier avg: 22.39%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Bottom 8%
in Micro
Why this stands out
Current:
1.81%
(Tier avg: 0.45%, National avg: 0.48%)
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
85
85th pctile
Total Deposits
Current: $322.0M · Tier avg: $183.7M
81
81th pctile
Total Assets
Current: $354.1M · Tier avg: $217.5M
76
76th pctile
Total Loans
Current: $209.1M · Tier avg: $139.2M
69
69th pctile
Loan-to-Deposit Ratio
Current: 64.92% · Tier avg: 74.53%
69
69th pctile
Non-Interest Income / Assets
Current: 0.49% · Tier avg: 0.56%
51
51th pctile
Return on Assets
Current: 1.07% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
44
44th pctile
Efficiency Ratio
Current: 68.50% · Tier avg: 67.73%
33
33th pctile
Net Interest Margin
Current: 3.47% · Tier avg: 3.85%
8
8th pctile
Nonperforming Asset Ratio
Current: 1.81% · Tier avg: 0.45%
7
7th pctile
Delinquency Rate
Current: 2.97% · Tier avg: 0.64%
5
5th pctile
Non-Interest-Bearing Deposit Share
Current: 4.90% · Tier avg: 22.39%
Top Weaknesses
5
5th pctile
Non-Interest-Bearing Deposit Share
Current: 4.90% · Tier avg: 22.39%
7
7th pctile
Delinquency Rate
Current: 2.97% · Tier avg: 0.64%
8
8th pctile
Nonperforming Asset Ratio
Current: 1.81% · Tier avg: 0.45%
33
33th pctile
Net Interest Margin
Current: 3.47% · Tier avg: 3.85%
44
44th pctile
Efficiency Ratio
Current: 68.50% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
51
51th pctile
Return on Assets
Current: 1.07% · Tier avg: 1.08%
69
69th pctile
Non-Interest Income / Assets
Current: 0.49% · Tier avg: 0.56%
69
69th pctile
Loan-to-Deposit Ratio
Current: 64.92% · Tier avg: 74.53%
76
76th pctile
Total Loans
Current: $209.1M · Tier avg: $139.2M
81
81th pctile
Total Assets
Current: $354.1M · Tier avg: $217.5M
85
85th pctile
Total Deposits
Current: $322.0M · Tier avg: $183.7M