Total Assets
$1.3B
Total balance-sheet footings
FDIC Cert #22180 · Richfield, Minnesota · Est. 1975
United Bankers' Bank - FDIC Bank Health Profile
A community-scale look at United Bankers' Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $1.3B
- Total assets
- B
- Health grade · Good
- 0.58%
- Return on assets
- 16.1%
- Tier 1 capital
Data updated July 2026
The verdict
United Bankers' Bank earns a PlainBankData health grade of B (78/100), with well-capitalized at 16.11% Tier 1, 0.58% ROA, 77% efficiency ratio.
- #840
- largest of 4,313 FDIC banks by assets
- 81st
- percentile by asset size, nationally
- 16.11%
- Tier 1 ratio - above the 10% well-capitalized line
- 19th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How United Bankers' Bank's 78/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
United Bankers' Bank's composite health score
Tier 1 Capital Ratio (16.11%) 40/40
Return on Assets (ROA) (0.58%) 14/25
Texas Ratio (1.48%) 20/20
Efficiency Ratio (76.66%) 4/15
78 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$663M
Customer-funded liabilities
Net Loans
$780M
Outstanding loan book
Net Income
$7M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where United Bankers' Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. United Bankers' Bank's score of 78/100 falls in the highlighted band.
United Bankers' Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). United Bankers' Bank's $1.3B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
16.11% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
16.11%
Texas Ratio
1.48%
Equity Capital
$141M
Profitability metrics
Return on Assets (ROA)
19th percentile nationally
0.58%
Return on Equity (ROE)
5.16%
Efficiency Ratio
76.66%
What the numbers say about United Bankers' Bank
United Bankers' Bank is an FDIC-insured institution (Certificate #22180) headquartered in Richfield, Minnesota, established in 1975. It holds $1.3B in total assets - 840th of 4,313 FDIC-insured banks, $663M in customer deposits, and $780M in net loans. Looking at capital strength, Tier 1 stands at 16.11%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 1.48%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of B (78/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Minnesota, United Bankers' Bank ranks 13th of 227 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$54M
Interest Income
$20M
Non-Interest Income
$37M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. United Bankers' Bank reports a Texas Ratio of 1.48% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
1.48% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Minnesota by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) United Bankers' Bank (FDIC Cert #22180) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Minnesota
All Minnesota banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Ameriprise Bank, FSBMinneapolis | $25.3B | A | 3.08% |
| Bridgewater BankSaint Louis Park | $5.4B | A | 0.99% |
| Frandsen Bank & TrustLonsdale | $3.7B | A | 1.48% |
| Stearns Bank National AssociationSaint Cloud | $3.3B | A | 1.85% |
| Minnwest BankRedwood Falls | $3.0B | B | 0.92% |
| Merchants Bank, National AssociationWinona | $2.9B | A | 1.23% |
| Tradition Capital BankWayzata | $2.6B | B | 0.71% |
| Think Mutual BankRochester | $2.2B | B | 0.61% |
Frequently asked questions
What is United Bankers' Bank's health grade?▼
United Bankers' Bank receives a health grade of B (78/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is United Bankers' Bank?▼
United Bankers' Bank holds $1.3B in total assets and $663M in deposits, ranking 840th of 4,313 FDIC-insured banks by asset size. It is headquartered in Richfield, Minnesota.
Is my money safe at United Bankers' Bank?▼
Yes, deposits at United Bankers' Bank (Certificate #22180) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is United Bankers' Bank's Tier 1 Capital Ratio?▼
United Bankers' Bank has a Tier 1 Capital Ratio of 16.11%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for United Bankers' Bank?▼
United Bankers' Bank has a Texas Ratio of 1.48%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is United Bankers' Bank?▼
United Bankers' Bank has an Efficiency Ratio of 76.66%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read United Bankers' Bank's profile as a depositor or analyst.
- United Bankers' Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare United Bankers' Bank against other Minnesota banks before moving funds. Minnesota banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.