United Bankers' Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 71.70 percentage points in Q2 2026, from 297.84% to 226.14%. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, United Bankers' Bank is 59th of 221 on return on assets, 1.76% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 1.28% on return on assets. United Bankers' Bank sits 0.48 points higher, at 1.76% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 17.12% |
| Tier 1 risk-based capital ratio | 17.12% |
| Total risk-based capital ratio | 18.37% |
| Tier 1 leverage ratio | 14.46% |
| Equity capital to assets | 13.99% |
| Tangible equity to tangible assets | 13.99% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.76% |
| Non-performing assets ratio | 0.82% |
| Net charge-off ratio | 0.04% |
| Texas ratio | 5.36% |
| Allowance for credit losses to loans | 1.72% |
| Reserve coverage of non-performing loans | 226.14% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.76% |
| Return on equity | 12.66% |
| Net interest margin | 3.40% |
| Efficiency ratio | 73.90% |
| Yield on earning assets | 5.39% |
| Cost of funds | 2.28% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 122.72% |
| Core deposits to total deposits | 61.91% |
| Brokered deposits to total deposits | 38.09% |
| Deposits to assets | 60.48% |
| Securities to assets | 8.56% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 14.61% | 14.61% | 15.86% | 11.76% | 0.20% |
| Q4 2023 | 14.67% | 14.67% | 15.92% | 11.94% | -0.28% |
| Q1 2024 | 15.04% | 15.04% | 16.29% | 11.48% | 0.33% |
| Q2 2024 | 15.19% | 15.19% | 16.44% | 12.18% | 0.77% |
| Q3 2024 | 16.43% | 16.43% | 17.68% | 12.07% | 0.23% |
| Q4 2024 | 16.44% | 16.44% | 17.69% | 13.00% | 0.11% |
| Q1 2025 | 16.66% | 16.66% | 17.91% | 13.60% | 0.81% |
| Q2 2025 | 15.98% | 15.98% | 17.23% | 13.61% | 0.49% |
| Q3 2025 | 15.86% | 15.86% | 17.11% | 13.23% | 0.62% |
| Q4 2025 | 16.11% | 16.11% | 17.36% | 13.27% | 0.72% |
| Q1 2026 | 16.60% | 16.60% | 17.86% | 13.66% | 1.00% |
| Q2 2026 | 17.12% | 17.12% | 18.37% | 14.46% | 1.76% |
United Bankers' Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock United Bankers' Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)