United Bankers' Bank: how it compares with its peers
Against 40 MN banks with half to twice its assets, United Bankers' Bank's strongest measure in Q2 2026 is assets per employee ($7.9M vs. a $8.1M peer median). Its weakest relative measure is efficiency ratio (71.33% vs. 57.50%).
| Measure | United Bankers' Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.28% | 1.42% | Middle third Ahead of 38% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.10% | 3.90% | Bottom third Ahead of 10% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 71.33% | 57.50% | Bottom third Ahead of 8% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.9M | $8.1M | Middle third Ahead of 43% of peers |
| Loans to deposits Net loans and leases over total deposits. | 120.61% | 84.82% | Context |
What it means for lending operations
Its efficiency ratio of 71.33% is above the 57.50% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- MidCountry Bank Minneapolis, MN · $1.07B
- The First National Bank of Bemidji Bemidji, MN · $1.08B
- First Resource Bank Lino Lakes, MN · $1.08B
- Midwest Bank Detroit Lakes, MN · $985M
- United Prairie Bank Mountain Lake, MN · $939M
- Vermillion State Bank Vermillion, MN · $931M
Questions about United Bankers' Bank
How big is United Bankers' Bank?
United Bankers' Bank, established in 1975, is headquartered in Richfield, MN. It reported $1.05B in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is United Bankers' Bank's return on assets?
1.28% annualized in Q2 2026, against a 1.42% median for 40 MN banks with half to twice its assets, ahead of 38% of them.
What is United Bankers' Bank's efficiency ratio?
71.33% in Q2 2026: it spent about 71 cents in noninterest expense for each dollar of revenue. The peer median is 57.50%, and lower is better.
Is United Bankers' Bank growing its loans?
Net loans grew 0.5% over the year to Q2 2026, while deposits grew 3.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MN banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Minnesota bank ranked.