UNITED BANKERS' BANK

RICHFIELD, MN | Large | Est. Dec. 15, 1975, midnight | FDIC #22180 | RSSD #930358 | FED
Latest Report: 2025-12-31

UNITED BANKERS' BANK is aln large FDIC-insured commercial bank headquartered in RICHFIELD, MN, established in Dec. 15, 1975, midnight. As of 2025-12-31, the bank reported total assets of $1.3B and total deposits of $663M. Profitability stands at 0.64% ROA and 5.64% ROE, with a net interest margin of 2.94%. The bank's CET1 capital ratio is 16.11%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.29% and a Texas Ratio of 3.20%. FDIC Certificate #22180.

Assets

$1.3B

Deposits

$663M

Loans

$793M

Equity

$141M

Profitability

Return on Assets (ROA) 0.64%
Return on Equity (ROE) 5.64%
Net Interest Margin (NIM) 2.94%
Yield on Assets 5.07%
Cost of Funds 7.10%

Asset Quality

NPL Ratio 0.29%
Net Charge-Off Ratio 0.14%
Texas Ratio 3.20%
NPA Ratio 0.38%
ACL / Loans 1.68%

Capital & Liquidity

CET1 Ratio 16.11%
Tier 1 Capital 16.11%
Total Capital Ratio 17.36%
Leverage Ratio 13.27%
Loan-to-Deposit 119.75%

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