United Community Bank

BankPerham, Minnesota
www.ucbankmn.com

Total Assets

$354.1M

Total Deposits

$322.0M

Branches

3

Established

1911

TFS Health Grade

$
F

59.0 / 100

Poor financial health

How we grade

United Community Bank is a bank headquartered in Perham, Minnesota, established in 1911. With $354.1M in total assets and 3 branch locations, it has a TFS Financial Health Grade of F (59.0/100).

Capital & Safety

Tier 1 Capital Ratio
10.42%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
2.93%

Profitability

Return on Assets (ROA)
1.07%(1%)
Return on Equity (ROE)
14.86%(10%)
Net Interest Margin
3.47%
Efficiency Ratio
68.50%(60%)

Lending & Liquidity

Total Loans
$212.2M
Loan-to-Deposit Ratio
64.92%
Net Charge-Off Ratio
0.09%

Growth

Asset Growth (YoY)
+2.42%
Deposit Growth (YoY)
+0.64%
Net Income
$3.8M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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