United Community Bank
Perham, MN
IDRSSD: 847157
Total Assets
$351.55M
Latest filing
Total Deposits
$320.98M
Latest filing
Net Interest Margin
3.58%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
United Community Bank
301 W Main St
Perham, MN 56573
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1911FDIC Certificate 5452
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| United Community Bank (Main) | 301 W Main St | Perham, MN |
| DENT BRANCH | 101 1st Ave N | Dent, MN |
| FRAZEE BRANCH | 122 West Main Street | Frazee, MN |
Showing 2 of 2
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 non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/01/1911 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 56573 |
| State and County Number | 27111 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 09 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | Fergus Falls, MN |
Operational Info
| Number of Employees | 54 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2024 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.ucbankmn.com |
| Data Updated | 11/14/2025 |
| CERT | 8544 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $351.55M |
| Total Deposits | $320.98M |
| Total Liabilities | $324.58M |
| Total Equity Capital | $26.97M |
| Net Income | $1.18M |
| Net Loans and Leases | $205.22M |
| Assets Per Employee ($Millions) | $6.63M |
| Bank Premises and Fixed Assets | $2.87M |
| Cash and Balances due from Depository Institutions | $24.66M |
| Deposits Held in Domestic Offices | $320.98M |
Key Performance Ratios
| Return on Assets (ROA) | 1.35% |
| Return on Equity (ROE) | 18.44% |
| Net Interest Margin | 3.58% |
| Efficiency Ratio | 62.71% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 7.671% |
| Earning Assets to total Assets | 94.51% |
Income and Expense
| Total Interest Income | $4.58M |
| Total Noninterest Income | $428.00k |
| Total Interest Expense | $1.64M |
| Total Noninterest Expense | $2.12M |
| Net Interest Income | $2.95M |
| Pre-tax Net Operating Income | $1.26M |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $189.00k |
| Other borrowed funds | $391.00k |
| Federal Funds Sold & Reverse Repurchase Agreement | $22.90M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $3.21M |
| Total Liabilities and Capital | $351.55M |
Securities
| Securities | $87.98M |
| Available-for-sale debt securities | $87.98M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of United Community Bank?
$351.55M as of the latest filing.
How much are United Community Bank's total deposits?
$320.98M in total deposits.
Where is United Community Bank located?
Perham, MN.
What is the Net Interest Margin?
3.58%.
How many domestic offices does it operate?
3.
When was it established?
01/01/1911.
What is the Return on Assets (ROA)?
1.35%.
How much are total loans and leases?
$205.22M (latest filing).
What is the total interest income (latest filing)?
$4.58M.