Is United Minnesota Bank Safe?
United Minnesota Bank has a Bank Health Score of 93/100 (A), based on FDIC call report data. Its strongest factor is liquidity (100/100), while loan quality is its weakest area (82/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 14.24% | 94/100 |
| Nonperforming Loan Ratio | 0.88% | 82/100 |
| Liquidity Ratio | 36.06% | 100/100 |
| Return on Assets | 2.16% | 100/100 |
| Total Assets | $0.0B | |
How does United Minnesota Bank compare?
With a Bank Health Score of 93/100, United Minnesota Bank sits 23.0 points above the national average of 70/100 for FDIC-insured banks. Within Minnesota, where 225 FDIC-insured banks are headquartered, United Minnesota Bank ranks above the state average of 73/100 (Grade B).
The bank's Tier 1 capital ratio of 14.24% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.88% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, United Minnesota Bank's Bank Health Score improved by 1.0 points to 93/100. Tier 1 capital weakened by 0.19 percentage points to 14.24%. Quarter-over-quarter, the score fell by 2.0 points.
United Minnesota Bank has a Bank Health Score of 93/100 (A), based on FDIC call report data. Its strongest factor is liquidity (100/100), while loan quality is its weakest area (82/100).