Total Assets
$354M
Total balance-sheet footings
FDIC Cert #8544 · Perham, Minnesota · Est. 1911
United Community Bank - FDIC Bank Health Profile
A community-scale look at United Community Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $354M
- Total assets
- B
- Health grade · Good
- 1.07%
- Return on assets
- 10.4%
- Tier 1 capital
Data updated July 2026
The verdict
United Community Bank earns a PlainBankData health grade of B (66/100), with well-capitalized at 10.42% Tier 1, profitable at 1.07% ROA, 68% efficiency ratio.
- #2,264
- largest of 4,313 FDIC banks by assets
- 48th
- percentile by asset size, nationally
- 10.42%
- Tier 1 ratio - above the 10% well-capitalized line
- 48th
- 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 Community Bank's 66/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
United Community Bank's composite health score
Tier 1 Capital Ratio (10.42%) 28/40
Return on Assets (ROA) (1.07%) 20/25
Texas Ratio (19.41%) 10/20
Efficiency Ratio (68.50%) 8/15
66 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$322M
Customer-funded liabilities
Net Loans
$209M
Outstanding loan book
Net Income
$4M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where United Community Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. United Community Bank's score of 66/100 falls in the highlighted band.
United Community 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 Community Bank's $354M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.42% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.42%
Texas Ratio
19.41%
Equity Capital
$29M
Profitability metrics
Return on Assets (ROA)
48th percentile nationally
1.07%
Return on Equity (ROE)
14.86%
Efficiency Ratio
68.50%
What the numbers say about United Community Bank
United Community Bank is an FDIC-insured institution (Certificate #8544) headquartered in Perham, Minnesota, established in 1911. It holds $354M in total assets - 2,264th of 4,313 FDIC-insured banks, $322M in customer deposits, and $209M in net loans. Looking at capital strength, Tier 1 stands at 10.42%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 19.41%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of B (66/100), 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 Community Bank ranks 72nd of 227 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$18M
Interest Income
$2M
Non-Interest Income
$9M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. United Community Bank reports a Texas Ratio of 19.41% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
19.41% - 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 Community Bank (FDIC Cert #8544) - 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 Community Bank's health grade?▼
United Community Bank receives a health grade of B (66/100) 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 Community Bank?▼
United Community Bank holds $354M in total assets and $322M in deposits, ranking 2,264th of 4,313 FDIC-insured banks by asset size. It is headquartered in Perham, Minnesota.
Is my money safe at United Community Bank?▼
Yes, deposits at United Community Bank (Certificate #8544) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is United Community Bank's Tier 1 Capital Ratio?▼
United Community Bank has a Tier 1 Capital Ratio of 10.42%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for United Community Bank?▼
United Community Bank has a Texas Ratio of 19.41%. 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 Community Bank?▼
United Community Bank has an Efficiency Ratio of 68.50%. 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 Community Bank's profile as a depositor or analyst.
- United Community Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare United Community 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.