United Bankers' Bank
Richfield, MN
IDRSSD: 930358
Total Assets
$1.31B
Latest filing
Total Deposits
$662.65M
Latest filing
Net Interest Margin
2.81%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
2 routesView all→
044002051BLOOMINGTON, MN091001322BLOOMINGTON, MN
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
United Bankers' Bank
2 Meridian Xing
Richfield, MN 55423
Full Service - Brick and Mortar
Updated 01/30/2026Established 12/15/1975FDIC Certificate 15411
Branches (0)
Page 1 of 1| Name | Address | City / State | ||
|---|---|---|---|---|
| No branch data available. | ||||
| United Bankers' Bank (Main) | 2 Meridian Xing | Richfield, MN | ||
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 12/15/1975 |
| Community Bank | No |
| Ownership Type | Not Mutual |
| ZIP | 55423 |
| State and County Number | 27053 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 09 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | Minneapolis-St. Paul-Bloomington, MN-WI |
Operational Info
| Number of Employees | 133 |
| Domestic Offices | 1 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 12/15/2025 |
| Date of Deposit Insurance | 12/15/1975 |
| Primary Insurance Agency | DIF |
| Website | www.ubb.bank |
| Data Updated | 01/30/2026 |
| CERT | 22180 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.31B |
| Total Deposits | $662.65M |
| Total Liabilities | $1.17B |
| Total Equity Capital | $140.59M |
| Net Income | $1.96M |
| Net Loans and Leases | $780.17M |
| Assets Per Employee ($Millions) | $9.6M |
| Bank Premises and Fixed Assets | $6.73M |
| Cash and Balances due from Depository Institutions | $343.11M |
| Deposits Held in Domestic Offices | $662.65M |
Key Performance Ratios
| Return on Assets (ROA) | 0.64% |
| Return on Equity (ROE) | 5.64% |
| Net Interest Margin | 2.81% |
| Efficiency Ratio | 74.09% |
| Tier 1 Risk-Based Capital Ratio | 16.111% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.33% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.765% |
| Earning Assets to total Assets | 96.09% |
Income and Expense
| Total Interest Income | $14.26M |
| Total Noninterest Income | $4.97M |
| Total Interest Expense | $6.00M |
| Total Noninterest Expense | $9.80M |
| Net Interest Income | $8.26M |
| Pre-tax Net Operating Income | $2.43M |
| Provision for Credit Losses | $998.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $2.64M |
| Other borrowed funds | $40.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $38.89M |
| Federal Funds Purchased and Repurchased Agreement | $444.91M |
| All Other Liabilities | $17.88M |
| Total Liabilities and Capital | $1.31B |
Securities
| Securities | $96.12M |
| Available-for-sale debt securities | $79.23M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $12.00M |
| Subordinated Debt | $0 |
| Trading Account Assets | $1.39M |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of United Bankers' Bank?
$1.31B as of the latest filing.
How much are United Bankers' Bank's total deposits?
$662.65M in total deposits.
Where is United Bankers' Bank located?
Richfield, MN.
What is the Net Interest Margin?
2.81%.
How many domestic offices does it operate?
1.
When was it established?
12/15/1975.
What is the Return on Assets (ROA)?
0.64%.
How much are total loans and leases?
$780.17M (latest filing).
What is the total interest income (latest filing)?
$14.26M.