United Minnesota Bank
BankRegReports is independent of United Minnesota Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
United Minnesota Bank is an FDIC-insured commercial bank headquartered in New London, MN, established in 1890 (FDIC certificate 10567), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $56.9M, up 12.1% from Q2 2025, the 199th largest of 221 banks headquartered in Minnesota. Its CET1 capital ratio was 11.86% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 10567
- Headquarters
- New London, MN
- Established
- 1890
- Total assets, Q2 2026
- $56.9M
- Assets vs Q2 2025
- +12.1%
- CET1 ratio, Q2 2026
- 11.86%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 091908713
- Latest call report
- Q2 2026, FFIEC 051 · United Minnesota Bank call report
- Holding company
- CARLSON BANKSHARES, INC.
- Asset rank in state
- 199th of 221 in Minnesota
United Minnesota Bank is one of the more profitable banks of its size. The New London, Minnesota bank had $57 million in assets at June 30, 2026, up 12.1% from a year earlier. It returns 21.4% a year on shareholders' equity, 2.5 times the median of 8.6% for the 583 banks with less than $100 million in assets. On the other hand, it holds common equity equal to 11.86% of its risk-weighted assets, about half the median of 22.08% for banks its size. Much of that comes from cost control: it spends about 55 cents to bring in each dollar of revenue.
Loans are outrunning deposits: over the year loans rose 24.5% and deposits rose 12.3%. Problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.54% of loans from 0.30% a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 0.7 times its capital, about triple the median of 26% for banks its size.
As of June 30, 2026, United Minnesota Bank reported a CET1 capital ratio of 11.86%, a return on assets of 1.62%, a nonperforming-loan ratio of 0.54% and a Texas ratio of 5.28%. The figures come from its call report filed with the FFIEC.
Of the 221 banks headquartered in Minnesota, United Minnesota Bank is the 199th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 6.2% to $56.9M, loans rose 7.9% and deposits rose 6.4%. 1-4 family residential loans made up 56.0% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 13.4%. The FDIC Summary of Deposits lists a single office for it, in New London, MN. Judged on its Q2 2026 call report, United Minnesota Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 105 Central Ave E, New London, MN 56273
- County
- Kandiyohi
- Metro Area
- Willmar, 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
- May 5, 1890
- Former names
- First State Bank of New London (1969-1993)
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 6
- Domestic deposits
- $52.5M
- Allowance for credit losses
- $361K
- Net charge-offs (YTD)
- $0
- Average total assets
- $54.7M
- Average total loans
- $43.9M
- Average interest-bearing deposits
- $33.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10567
- Fed RSSD
- 842853
- Website
- www.umbnl.com →
- Parent Holding Company
- CARLSON BANKSHARES, INC. (RSSD 1128451)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, United Minnesota Bank's total assets ranged from $47.9M (Q4 2023) to $56.9M (Q2 2026), and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$56.9M total assets against $50.8M; $52.7M total liabilities against $46.9M.
$44.6M net loans and leases against $35.8M; $52.5M total deposits against $46.8M.
$3.1M securities against $6.5M; $7.6M cash and balances due against $7.0M.
$770K total interest income against $660K; $115K total interest expense against $81K.
$655K net interest income against $579K.
$29K total noninterest income against $33K; $378K total noninterest expense against $360K.
$32K provision for credit losses against $0.
$222K net income against $205K.
1.62% return on assets against 1.65%; 4.99% net interest margin against 4.84%.
11.86% CET1 capital ratio against 13.47%; 7.78% tier 1 leverage ratio against 7.89%.
Inside the full United Minnesota Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeUnited Minnesota Bank rankings
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -2.64% (Q4 2024) to 2.28% (Q3 2024) and its net interest margin ran from 4.53% (Q1 2025) to 4.99% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.86% | 1.62% | 0.54% | 5.28% | 4.99% |
| Q1 2026 | 11.90% | 1.60% | 0.22% | 2.06% | 4.61% |
| Q4 2025 | 12.43% | 0.51% | 0.25% | 2.20% | 4.75% |
| Q3 2025 | 12.64% | 0.89% | 0.27% | 2.37% | 4.83% |
| Q2 2025 | 13.47% | 1.65% | 0.30% | 4.15% | 4.84% |
| Q1 2025 | 12.79% | 1.57% | 0.38% | 4.91% | 4.53% |
| Q4 2024 | 13.09% | -2.64% | 0.39% | 4.97% | 4.92% |
| Q3 2024 | 14.76% | 2.28% | 0.91% | 7.05% | 4.74% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 Minnesota Bank (main office) | New London , MN | 56273 | $52.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MN, rank 242 of 277 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 5 loans, $1.1M approved, $229K 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
Add this badge to your website
Free to use. It shows United Minnesota Bank’s latest filed figures and updates each quarter.
Similar banks
Compare United Minnesota Bank with peers
Frequently asked about United Minnesota Bank
What are United Minnesota Bank's total assets?
As of the Q2 2026 filing, United Minnesota Bank reported total assets of $56.9 million in its FFIEC call report.
Where is United Minnesota Bank headquartered?
It is headquartered in New London, MN, United States.
When was United Minnesota Bank founded?
It was established in 1890, per the FDIC institution directory.
Is United Minnesota Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #10567). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates United Minnesota Bank?
United Minnesota Bank's primary federal regulator is the FDIC.
What is United Minnesota Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.86% in its Q2 2026 call report, above regulatory requirements.
How many branches does United Minnesota Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is United Minnesota Bank's Texas Ratio?
Its Texas Ratio is 5.28% 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.
What was United Minnesota Bank previously called?
The charter now named United Minnesota Bank has also operated as First State Bank of New London (1969-1993), per FDIC structure-change records.
Go deeper on United Minnesota Bank.
Get an email when United Minnesota Bank files its next call report, and benchmark it against any peer you choose.
Unlock United Minnesota Bank, freeFree account