United Community Bank (Perham, MN)
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Data as of · sourced from FFIEC call reports. How we update
United Community Bank is an FDIC-insured commercial bank headquartered in Perham, MN, established in 1911 (FDIC certificate 8544), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $359.3M, up 3.7% from Q2 2025, the 73rd largest of 221 banks headquartered in Minnesota. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.49% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 8544
- Headquarters
- Perham, MN
- Established
- 1911
- Total assets, Q2 2026
- $359.3M
- Assets vs Q2 2025
- +3.7%
- Tier 1 leverage ratio, Q2 2026
- 10.49%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 091210074
- Holding company
- PERHAM STATE BANCSHARES, INC.
- Asset rank in state
- 73rd of 221 in Minnesota
Problem loans are rising at United Community Bank. It reported $359 million in assets at June 30, 2026, up 3.7% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.90% of loans from 0.74% a year earlier. It carries problem assets equal to 19.3% of the capital and reserves that would absorb them, 7.3 times the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets. It also earns about $0.78 a year on every $100 of assets, lower than about three-quarters of banks its size (median $1.28).
Paper losses on its bond portfolio are shrinking: unrealized losses of $9.4 million equal 24% of Tier 1 capital, down from 34% a year earlier. Costs are the weak spot: it spends about 73 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, United Community Bank reported a return on assets of 0.78%, a nonperforming-loan ratio of 2.95% and a Texas ratio of 19.28%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, United Community Bank is the 73rd largest of the 221 banks headquartered in Minnesota. From Q1 2026 to Q2 2026, its total assets rose 2.0% to $359.3M, loans rose 1.1% and deposits rose 1.8%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 42.4% of total loans, ahead of commercial and industrial loans at 15.0%. Its 3 offices in the FDIC Summary of Deposits are in Perham, MN, Frazee, MN and Dent, MN; its Perham office books 77% of its branch deposits. By the capital ratios in its Q2 2026 call report, United Community Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 301 W Main St, Perham, MN 56573
- County
- Otter Tail
- Metro Area
- Fergus Falls, MN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1911
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 54
- Domestic deposits
- $326.7M
- Allowance for credit losses
- $3.1M
- Net charge-offs (YTD)
- $13K
- Average total assets
- $367.9M
- Average total loans
- $212.1M
- Average interest-bearing deposits
- $309.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8544
- Fed RSSD
- 847157
- Website
- www.ucbankmn.com →
- Parent Holding Company
- PERHAM STATE BANCSHARES, INC. (RSSD 1126242)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, United Community Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, United Community Bank's total assets ran between $325.0M (Q3 2023) and $359.3M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$359.3M total assets against $346.5M; $329.9M total liabilities against $322.3M.
$211.2M net loans and leases against $205.7M; $326.7M total deposits against $318.9M.
$92.8M securities against $86.1M; $44.7M cash and balances due against $44.2M.
$4.5M total interest income against $4.4M; $1.6M total interest expense against $1.6M.
$3.0M net interest income against $2.8M.
$411K total noninterest income against $459K; $2.5M total noninterest expense against $2.3M.
$0 provision for credit losses against $100K.
$719K net income against $772K.
0.78% return on assets against 0.86%; 3.41% net interest margin against 3.40%.
10.49% tier 1 leverage ratio against 10.18%.
Inside the full United Community Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeUnited Community Bank rankings
Its closest position to the top of a national ranking is 187 of 3,640, for Texas Ratio; its furthest is 2,929 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.72% (Q4 2024) to 1.30% (Q3 2025) and its net interest margin ran from 3.22% (Q4 2024) to 3.48% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.49% | 0.78% | 2.95% | 19.28% | 3.41% |
| Q1 2026 | 10.65% | 0.92% | 2.83% | 19.51% | 3.36% |
| Q4 2025 | 10.42% | 1.07% | 2.93% | 19.82% | 3.44% |
| Q3 2025 | 10.30% | 1.30% | 0.94% | 6.79% | 3.48% |
| Q2 2025 | 10.18% | 0.86% | 0.79% | 6.37% | 3.40% |
| Q1 2025 | 10.30% | 0.93% | 0.77% | 5.44% | 3.26% |
| Q4 2024 | 9.96% | 0.72% | 1.27% | 9.77% | 3.22% |
| Q3 2024 | 9.97% | 1.18% | 0.12% | 0.44% | 3.24% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| United Community Bank (main office) | Perham , MN | 56573 | $251.4M |
| Frazee Branch | Frazee , MN | 56544 | $47.5M |
| Dent Branch | Dent , MN | 56528 | $27.8M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 21, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 21, 2012 | Structure Change | Acquired Farmers State Bank of Dent Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in MN, rank 96 of 277 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 6 loans, $451K approved, $75K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about United Community Bank
What are United Community Bank's total assets?
As of the Q2 2026 filing, United Community Bank reported total assets of $359.3 million in its FFIEC call report.
Where is United Community Bank headquartered?
It is headquartered in Perham, MN, United States.
When was United Community Bank founded?
It was established in 1911, per the FDIC institution directory.
Is United Community Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #8544). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates United Community Bank?
United Community Bank's primary federal regulator is the FDIC.
How many branches does United Community Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is United Community Bank's Texas Ratio?
Its Texas Ratio is 19.28% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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