United Minnesota 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 climbed 33.33 percentage points in Q2 2026, from 367.78% to 401.11%. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, United Minnesota Bank is 78th of 221 on return on assets, 1.62% as of Q2 2026, above the middle of the field. Against a median of 0.98% for banks in the < $100M asset tier, United Minnesota Bank reported 1.62% on return on assets in Q2 2026, 0.64 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.86% |
| Tier 1 risk-based capital ratio | 11.86% |
| Total risk-based capital ratio | 12.91% |
| Tier 1 leverage ratio | 7.78% |
| Equity capital to assets | 7.48% |
| Tangible equity to tangible assets | 7.48% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.20% |
| Non-performing assets ratio | 0.16% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 5.28% |
| Allowance for credit losses to loans | 0.80% |
| Reserve coverage of non-performing loans | 401.11% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.62% |
| Return on equity | 21.41% |
| Net interest margin | 4.99% |
| Efficiency ratio | 55.09% |
| Yield on earning assets | 5.86% |
| Cost of funds | 0.91% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.67% |
| Core deposits to total deposits | 87.18% |
| Brokered deposits to total deposits | 3.81% |
| Deposits to assets | 92.23% |
| Securities to assets | 5.52% |
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 | 14.43% | 14.43% | 15.28% | 7.73% | 2.25% |
| Q4 2023 | 13.35% | 13.35% | 14.42% | 6.88% | -2.85% |
| Q1 2024 | 13.90% | 13.90% | 14.94% | 7.14% | 1.69% |
| Q2 2024 | 14.24% | 14.24% | 15.24% | 7.70% | 1.97% |
| Q3 2024 | 14.76% | 14.76% | 15.73% | 8.10% | 2.28% |
| Q4 2024 | 13.09% | 13.09% | 14.26% | 7.51% | -2.64% |
| Q1 2025 | 12.79% | 12.79% | 13.93% | 7.34% | 1.57% |
| Q2 2025 | 13.47% | 13.47% | 14.60% | 7.89% | 1.65% |
| Q3 2025 | 12.64% | 12.64% | 13.76% | 8.02% | 0.89% |
| Q4 2025 | 12.43% | 12.43% | 13.48% | 8.02% | 0.51% |
| Q1 2026 | 11.90% | 11.90% | 12.92% | 7.57% | 1.60% |
| Q2 2026 | 11.86% | 11.86% | 12.91% | 7.78% | 1.62% |
United Minnesota Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock United Minnesota 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 Minnesota Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10567) · FFIEC NIC profile (RSSD 842853)