Bank Comparison
Miners National Bank of Eveleth, the vs Union Bank & Trust Company
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
6 · 13
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Miners National Bank of Eveleth, the | Union Bank & Trust Company |
|---|---|---|
| CET1 Ratio | 19.93% | — |
| Tier 1 Capital Ratio | 19.93% | — |
| Total Capital Ratio | 21.18% | — |
| Tier 1 Leverage Ratio | 9.43% | 12.73% |
| Equity / Assets | 9.46% | 12.32% |
Profitability
| Metric | Miners National Bank of Eveleth, the | Union Bank & Trust Company |
|---|---|---|
| Return on Assets (ROA) | 1.05% | 2.14% |
| Return on Equity (ROE) | 11.36% | 16.43% |
| Net Interest Margin (NIM) | 4.70% | 5.34% |
| Yield on Earning Assets | 6.35% | 6.25% |
| Cost of Funds | 1.52% | 1.02% |
Asset quality
| Metric | Miners National Bank of Eveleth, the | Union Bank & Trust Company |
|---|---|---|
| Texas Ratio | 2.08% | 12.88% |
| Non-Performing Loan Ratio | 0.31% | 2.59% |
| Non-Performing Asset Ratio | 0.21% | 1.75% |
| Net Charge-Off Ratio | 0.00% | -0.03% |
| ACL / Loans | 1.07% | 1.85% |
Balance sheet
| Metric | Miners National Bank of Eveleth, the | Union Bank & Trust Company |
|---|---|---|
| Total Assets | $98,188K | $98,367K |
| Total Deposits | $86,168K | $85,570K |
| Total Loans | $66,919K | $66,347K |
| Total Equity | $9,290K | $12,114K |
| Net Income (quarter) | $261 | $526 |
Liquidity & funding
| Metric | Miners National Bank of Eveleth, the | Union Bank & Trust Company |
|---|---|---|
| Loan-to-Deposit Ratio | 77.66% | 77.54% |
| Core Deposit Ratio | 91.25% | 92.99% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Miners National Bank of Eveleth, the | Union Bank & Trust Company |
|---|---|---|
| Headquarters City | EVELETH | LIVINGSTON |
| Headquarters State | MN | TN |
| Asset Tier | Micro | Micro |
| Charter Class | 6991 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 13 | 16 |
| Established | Oct. 10, 1903, midnight | Jan. 1, 1932, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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