United Bankers' Bank: Deposit Base
Data as of · Call Report Schedules RC-E and RC-O How we update
How the bank is funded. Core deposits are the stable, mostly-insured relationship money; brokered and uninsured balances are the fastest to leave. The 2023 regional bank failures were runs on uninsured deposits, which is why that share now gets read first.
Time deposits $100k to $250k dropped 23.3% in Q2 2026, from $4.3M to $3.3M. It was the largest change from Q1 2026 among the key lines here. United Bankers' Bank ranks 31st of 221 Minnesota banks on total deposits, in the upper half at $635.6M (Q2 2026). Against a median of $1.67B for banks in the $1B-10B asset tier, United Bankers' Bank reported $635.6M on total deposits in Q2 2026, 62% lower.
Deposit totals
| Line item | Q2 2026 |
|---|---|
| Total deposits | $635.6M |
| Domestic office deposits | $635.6M |
| Foreign office deposits | — |
| Deposits to total assets | 60.48% |
| Deposits to total liabilities | 70.32% |
Deposit composition
| Line item | Q2 2026 |
|---|---|
| Demand deposits | $333.6M |
| Savings deposits | $0 |
| Transaction accounts to domestic deposits | 52.49% |
| Time deposits | $39K |
| Time deposits under $100k | $242.1M |
| Time deposits $100k to $250k | $3.3M |
| Time deposits over $250k | $0 |
| Noninterest-bearing share of deposits | 52.12% |
Stability of funding
| Line item | Q2 2026 |
|---|---|
| Core deposits | $393.5M |
| Core deposits to total deposits | 61.91% |
| Insured deposits | $401.2M |
| Uninsured deposits | $234.4M |
| Uninsured deposits to total deposits | 36.88% |
| Brokered deposits | $242.1M |
| Brokered deposits to total deposits | 38.09% |
Cost of deposits
| Line item | Q2 2026 |
|---|---|
| Cost of interest-bearing deposits | 3.91% |
| Interest expense on deposits | $2.9M |
| Loans and leases to core deposits | 122.72% |
Deposit Base trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Deposit Base by quarter
| Quarter | Total deposits | Core deposits | Uninsured deposits | Brokered deposits | Cost of interest-bearing deposits |
|---|---|---|---|---|---|
| Q3 2023 | $674.5M | 47.66% | 26.35% | 52.34% | 3.84% |
| Q4 2023 | $675.9M | 47.14% | 26.09% | 52.86% | 3.95% |
| Q1 2024 | $687.6M | 55.91% | 34.18% | 44.09% | 4.30% |
| Q2 2024 | $627.1M | 50.37% | 26.61% | 49.63% | 4.24% |
| Q3 2024 | $653.0M | 50.54% | 27.67% | 49.46% | 4.60% |
| Q4 2024 | $672.0M | 51.31% | 28.53% | 48.69% | 4.45% |
| Q1 2025 | $643.2M | 53.61% | 29.22% | 46.39% | 4.54% |
| Q2 2025 | $615.7M | 53.98% | 28.71% | 46.02% | 4.45% |
| Q3 2025 | $610.6M | 54.65% | 29.04% | 45.35% | 4.29% |
| Q4 2025 | $662.7M | 57.05% | 33.30% | 42.95% | 4.26% |
| Q1 2026 | $646.8M | 61.40% | 36.81% | 38.60% | 3.96% |
| Q2 2026 | $635.6M | 61.91% | 36.88% | 38.09% | 3.91% |
United Bankers' Bank deposit base, all the way back
Deposit Base back to 2001 · peer percentiles on every line item · Excel export
Unlock United Bankers' Bank, freeSource: Call Report Schedules RC-E and RC-O, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full United Bankers' Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22180) · FFIEC NIC profile (RSSD 930358)