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BDI
UB

United Bankers' Bank

Richfield, MinnesotaFDIC Cert #22180

STATEEstablished 19751 branch

Holding company: UNITED BANKERS BCORP INCRegulator: FED

FDICCERT + OFFDOM

Profitability, margin & efficiency

Performance

Returns, spread economics, operating efficiency, and growth viewed against this bank's official FFIEC UBPR peers.

As of Q1 2026

Returns & margin

Annualized returns and the economics of earning assets and paid funding.

ROA
0.91%
+36.5%y/y
Peer standing64th percentile
Peer standing in FFIEC UBPR Peer Group 301 — Bankers banks
FDICNETINC + ROA
ROE
7.53%
+19.8%y/y
Peer standing64th percentile
Peer standing in FFIEC UBPR Peer Group 301 — Bankers banks
FDICNETINC + ROE
Pretax ROA
1.33%
+100.2%y/y
Peer standing64th percentile
Peer standing in FFIEC UBPR Peer Group 301 — Bankers banks
FDICPTAXNETINC + ASSET
NIM
2.92%
+43.7%y/y
Peer standing27th percentile
Peer standing in FFIEC UBPR Peer Group 301 — Bankers banks
FDICNIM + NIMY
Earning yield
4.82%
+18.2%y/y
Peer standing18th percentile
Peer standing in FFIEC UBPR Peer Group 301 — Bankers banks
FDICINTINCY
IB deposit cost
7.16%
−7.8%y/y
Peer standing36th percentile
Peer standing in FFIEC UBPR Peer Group 301 — Bankers banks
FDICEINTEXP + DEPIDOM

Efficiency & growth

Operating productivity and year-over-year balance-sheet momentum.

Efficiency
68.61%
−10.8%y/y
Peer standing73rd percentile
Peer standing in FFIEC UBPR Peer Group 301 — Bankers banks
FDICNONIX + NIM + NONII + EEFFR
Expense/assets
3.08%
+9.9%y/y
Peer standing91st percentile
Peer standing in FFIEC UBPR Peer Group 301 — Bankers banks
FDICNONIX + ASSET
Fee share
37.74%
−18.5%y/y
Percentile by value27th percentileby value
Peer standing in FFIEC UBPR Peer Group 301 — Bankers banks
FDICNONII + NIM
Assets YoY
−16.73%
−286.4%y/y
Percentile by value0th percentileby value
Peer standing in FFIEC UBPR Peer Group 301 — Bankers banks
FDICASSET
Deposits YoY
+0.55%
+108.6%y/y
Percentile by value36th percentileby value
Peer standing in FFIEC UBPR Peer Group 301 — Bankers banks
FDICDEP
Loans YoY
+7.73%
+360.3%y/y
Percentile by value73rd percentileby value
Peer standing in FFIEC UBPR Peer Group 301 — Bankers banks
FDICLNLSNET

How this bank compares

Switch cohorts or expand any row to inspect the full distribution.

UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDICNETINC + ROA
64th percentileToggle ROA distribution

Distribution histogram for ROA, with this bank marked when a value is reported.

10th 0.57%Median 0.82%90th 1.49%Observations 12
ROE
FDICNETINC + ROE
61st percentileToggle ROE distribution

Distribution histogram for ROE, with this bank marked when a value is reported.

10th 3.93%Median 6.07%90th 10.28%Observations 12
NIM
FDICNIM + NIMY
27th percentileToggle NIM distribution

Distribution histogram for NIM, with this bank marked when a value is reported.

10th 2.77%Median 3.14%90th 4.00%Observations 12
Efficiency
FDICNONIX + NIM + NONII + EEFFR
73rd percentileToggle Efficiency distribution

Distribution histogram for Efficiency, with this bank marked when a value is reported.

10th 66.51%Median 78.92%90th 84.03%Observations 12
Deposits YoY
FDICDEP
38th percentileby valueToggle Deposits YoY distribution

Distribution histogram for Deposits YoY, with this bank marked when a value is reported.

10th −9.66%Median +1.49%90th +22.18%Observations 12
Loans YoY
FDICLNLSNET
69th percentileby valueToggle Loans YoY distribution

Distribution histogram for Loans YoY, with this bank marked when a value is reported.

10th −7.25%Median +3.57%90th +18.18%Observations 12
Noncurrent %
FDICP9ASSET + NAASSET + LNLSGR
38th percentileToggle Noncurrent % distribution

Distribution histogram for Noncurrent %, with this bank marked when a value is reported.

10th 0.00%Median 0.55%90th 1.40%Observations 12
Leverage
FDICRBC1AAJ
38th percentileToggle Leverage distribution

Distribution histogram for Leverage, with this bank marked when a value is reported.

10th 12.72%Median 14.57%90th 15.60%Observations 12

Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.

IB deposit cost
FDICEINTEXP + DEPIDOM
36th percentileToggle IB deposit cost distribution

Distribution histogram for IB deposit cost, with this bank marked when a value is reported.

10th 4.09%Median 6.13%90th 9.98%Observations 12
CRE/capital
FDICLNRENROT + LNREMULT + LNRECONS + RBC
67th percentileby valueToggle CRE/capital distribution

Distribution histogram for CRE/capital, with this bank marked when a value is reported.

10th 98%Median 227%90th 294%Observations 10

Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.

Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.