0.91%
+36.5%y/y
Peer standing30th percentile
FDIC
NETINC + ROAUB
United Bankers' Bank
Richfield, MinnesotaFDIC Cert #22180
STATEEstablished 19751 branch
Holding company: UNITED BANKERS BCORP INCRegulator: FED
FDIC
CERT + OFFDOMProfitability, margin & efficiency
Performance
Returns, spread economics, operating efficiency, and growth viewed against this bank's peers.
As of Q1 2026
Returns & margin
Annualized returns and the economics of earning assets and paid funding.
7.53%
+19.8%y/y
Peer standing23rd percentile
FDIC
NETINC + ROE1.33%
+100.2%y/y
Peer standing42nd percentile
FDIC
PTAXNETINC + ASSET2.92%
+43.7%y/y
Peer standing13th percentile
FDIC
NIM + NIMY4.82%
+18.2%y/y
Peer standing15th percentile
FDIC
INTINCY7.16%
−7.8%y/y
Peer standing0th percentile
FDIC
EINTEXP + DEPIDOMEfficiency & growth
Operating productivity and year-over-year balance-sheet momentum.
68.61%
−10.8%y/y
Peer standing29th percentile
FDIC
NONIX + NIM + NONII + EEFFR3.08%
+9.9%y/y
Peer standing19th percentile
FDIC
NONIX + ASSET37.74%
−18.5%y/y
Percentile by value94th percentileby value
FDIC
NONII + NIM−16.73%
−286.4%y/y
Percentile by value0th percentileby value
FDIC
ASSET+0.55%
+108.6%y/y
Percentile by value21st percentileby value
FDIC
DEP+7.73%
+360.3%y/y
Percentile by value61st percentileby value
FDIC
LNLSNETHow this bank compares
Switch cohorts or expand any row to inspect the full distribution.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.91%30th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.47%Median 1.16%90th 2.03%Observations 629
ROE
FDIC
NETINC + ROE7.53%23rd percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 4.37%Median 11.64%90th 19.98%Observations 629
NIM
FDIC
NIM + NIMY2.92%13th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.81%Median 3.64%90th 4.58%Observations 630
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR68.61%29th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 45.28%Median 61.40%90th 80.08%Observations 629
Deposits YoY
FDIC
DEP+0.55%21st percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.50%Median +4.71%90th +17.76%Observations 624
Loans YoY
FDIC
LNLSNET+7.73%61st percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −1.84%Median +5.89%90th +17.13%Observations 623
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.29%68th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.06%Median 0.52%90th 1.91%Observations 623
Leverage
FDIC
RBC1AAJ13.66%87th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.85%Median 10.50%90th 14.46%Observations 630
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM7.16%0th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.77%Median 2.61%90th 3.65%Observations 624
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC242%56th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 88%Median 225%90th 349%Observations 464
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.91%28th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.33%Median 1.24%90th 2.01%Observations 228
ROE
FDIC
NETINC + ROE7.53%20th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 3.46%Median 12.43%90th 20.24%Observations 228
NIM
FDIC
NIM + NIMY2.92%7th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.05%Median 3.91%90th 4.74%Observations 228
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR68.61%30th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 48.05%Median 61.69%90th 81.66%Observations 228
Deposits YoY
FDIC
DEP+0.55%28th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −4.44%Median +3.43%90th +14.87%Observations 226
Loans YoY
FDIC
LNLSNET+7.73%67th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −5.13%Median +4.83%90th +18.37%Observations 226
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.29%60th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.42%90th 2.54%Observations 226
Leverage
FDIC
RBC1AAJ13.66%87th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.48%Median 10.25%90th 14.29%Observations 228
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM7.16%0th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.44%Median 2.26%90th 3.39%Observations 226
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC242%86th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 11%Median 95%90th 258%Observations 167
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.91%25th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.60%Median 1.22%90th 1.90%Observations 13
ROE
FDIC
NETINC + ROE7.53%17th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 4.37%Median 11.39%90th 20.27%Observations 13
NIM
FDIC
NIM + NIMY2.92%25th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.81%Median 3.55%90th 4.14%Observations 13
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR68.61%8th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 49.01%Median 55.70%90th 68.16%Observations 13
Deposits YoY
FDIC
DEP+0.55%42nd percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −8.13%Median +4.32%90th +10.45%Observations 13
Loans YoY
FDIC
LNLSNET+7.73%92nd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −2.33%Median +3.59%90th +7.62%Observations 13
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.29%75th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.17%Median 0.46%90th 1.43%Observations 13
Leverage
FDIC
RBC1AAJ13.66%92nd percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.52%Median 10.13%90th 13.58%Observations 13
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM7.16%0th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.93%Median 2.41%90th 3.65%Observations 13
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC242%50th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 153%Median 242%90th 283%Observations 11
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.