United Bankers' Bank
Richfield, Minnesota, Hennepin County
$1.1B in total assets, the 1,024th largest of 4,309 US banks and 18th of 225 headquartered in Minnesota.
- FDIC certificate
- 22180
- Established
- 1975
- Owned by
- United Bankers Bcorp Inc
- Primary regulator
- FED
- Website
- www.ubb.bank
At a glance
Compared with 16 banks headquartered in Minnesota with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $1.1B | 2% | $1.5B | |
| Loans | $780M | 12% | $984M | |
| Deposits | $636M | 2% | $1.3B | |
| Return on assets | 0.96% | 31% | 1.31% | |
| Net interest margin | 3.10% | 31% | 3.72% | |
| Efficiency ratio | 71.3% | 94% | 53.9% | |
| Equity to assets | 13.99% | 88% | 9.86% | |
| Loans to deposits | 123% | 98% | 83% |
Growth
Total assets grew -0.9% a year over the last 5 years and 2.9% a year over 10 years, including 1 acquisition in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Jul 2016 | Great Lakes Bankers Bank Worthington, OH | $100M |
Where they operate
1 branch in 1 county.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Hennepin County, MN | $636M | 0.4% | 16 of 68 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
No net change since 2016 (1 branch then and now). 0 opened, 1 acquired, 1 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 1 | |||
| 2016 | Acquired Great Lakes Bankers Bank | 1 | 0 | +1 | 2 |
| 2022 | Closed Worthington | 0 | 1 | −1 | 1 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 39% | 31% | |
| Construction and land | 10% | 7% | |
| Business (C&I) | 10% | 17% | |
| Multifamily | 9% | 10% | |
| 1-4 family residential | 6% | 24% | |
| Farmland | 0% | 3% | |
| Agricultural | 0% | 3% | |
| Consumer | 0% | 2% | |
| Other | 26% | 3% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Noninterest-bearing | 52% | 19% | |
| Time deposits | 39% | 26% | |
| Other interest-bearing | 9% | 55% |
Brokered deposits are 38.1% of deposits (peers 6.8%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.76% | 0.52% |
| Net charge-offs, annualized | 0.02% | 0.05% |
| Reserves to loans | 1.72% | 1.20% |
| Leverage ratio | 14.46% | 10.13% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Minnesota
Largest competitors in Hennepin County, MN
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/united-bankers