BanksUNITED MINNESOTA BANK

UNITED MINNESOTA BANK

NEW LONDON, MNMicroEst. May 5, 1890, midnightFDIC #10567RSSD #842853FDIC
Latest · 2025-12-31

UNITED MINNESOTA BANK is an 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%. CET1 capital ratio: 12.43%, well above regulatory minimums. NPL ratio: 0.23% · Texas Ratio: 2.02%. Operates 1 domestic branch.

Assets
$52M
Deposits
$48M
Loans
$40M
Equity
$4M

Profitability

Return on Assets (ROA)0.51%
Return on Equity (ROE)6.38%
Net Interest Margin4.97%
Yield on Assets5.91%
Cost of Funds0.95%

Asset Quality

NPL Ratio0.23%
Net Charge-Off Ratio0.18%
Texas Ratio2.02%
NPA Ratio0.17%
ACL / Loans0.83%

Capital & Liquidity

CET1 Ratio12.43%
Tier 1 Capital12.43%
Total Capital Ratio13.48%
Leverage Ratio8.02%
Loan-to-Deposit82.73%

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