UNITED MINNESOTA BANK

NEW LONDON, MN | Micro | Est. May 5, 1890, midnight | FDIC #10567 | RSSD #842853 | FDIC
Latest Report: 2025-12-31

UNITED MINNESOTA BANK is amn micro FDIC-insured commercial bank headquartered in NEW LONDON, MN, established in May 5, 1890, midnight. As of 2025-12-31, the bank reported total assets of $52M and total deposits of $48M. Profitability stands at 0.51% ROA and 6.38% ROE, with a net interest margin of 4.97%. The bank's CET1 capital ratio is 12.43%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.23% and a Texas Ratio of 2.02%. FDIC Certificate #10567.

Assets

$52M

Deposits

$48M

Loans

$40M

Equity

$4M

Profitability

Return on Assets (ROA) 0.51%
Return on Equity (ROE) 6.38%
Net Interest Margin (NIM) 4.97%
Yield on Assets 5.91%
Cost of Funds 1.37%

Asset Quality

NPL Ratio 0.23%
Net Charge-Off Ratio 0.18%
Texas Ratio 2.02%
NPA Ratio 0.17%
ACL / Loans 0.83%

Capital & Liquidity

CET1 Ratio 12.43%
Tier 1 Capital 12.43%
Total Capital Ratio 13.48%
Leverage Ratio 8.02%
Loan-to-Deposit 82.73%

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