United Community Bank
Perham, MN
IDRSSD: 847157
Total Assets
$354.06M
Latest filing
Total Deposits
$322.00M
Latest filing
Net Interest Margin
3.53%
Profitability
Key People
Loading leadership data...
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 01/30/2026Established 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
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
First Bank Elk River
Elk River, Minnesota
→
Assets: $354.29MΔ +0.8%
Granite Bank
Cold Spring, Minnesota
→
Assets: $341.07MΔ -3.0%
Farmers and Merchants State Bank of Pierz
Pierz, Minnesota
→
Assets: $335.02MΔ -4.7%
Sentry Bank
Saint Joseph, Minnesota
→
Assets: $368.68MΔ +4.9%
The Citizens National Bank of Park Rapids
Park Rapids, Minnesota
→
Assets: $374.48MΔ +6.5%
Woodlands National Bank
Hinckley, Minnesota
→
Assets: $324.73MΔ -7.6%
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 | 53 |
| 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 | 01/30/2026 |
| CERT | 8544 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $354.06M |
| Total Deposits | $322.00M |
| Total Liabilities | $325.21M |
| Total Equity Capital | $28.85M |
| Net Income | $976.00k |
| Net Loans and Leases | $209.06M |
| Assets Per Employee ($Millions) | $6.94M |
| Bank Premises and Fixed Assets | $3.08M |
| Cash and Balances due from Depository Institutions | $20.81M |
| Deposits Held in Domestic Offices | $322.00M |
Key Performance Ratios
| Return on Assets (ROA) | 1.11% |
| Return on Equity (ROE) | 13.99% |
| Net Interest Margin | 3.53% |
| Efficiency Ratio | 69.61% |
| 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 | 8.147% |
| Earning Assets to total Assets | 94.4% |
Income and Expense
| Total Interest Income | $4.56M |
| Total Noninterest Income | $504.00k |
| Total Interest Expense | $1.62M |
| Total Noninterest Expense | $2.40M |
| Net Interest Income | $2.94M |
| Pre-tax Net Operating Income | $1.05M |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $189.00k |
| Other borrowed funds | $386.00k |
| Federal Funds Sold & Reverse Repurchase Agreement | $17.50M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.83M |
| Total Liabilities and Capital | $354.06M |
Securities
| Securities | $95.84M |
| Available-for-sale debt securities | $95.84M |
| Equity securities with readily determinable fair values not held for trading | — |
| 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?
$354.06M as of the latest filing.
How much are United Community Bank's total deposits?
$322.00M in total deposits.
Where is United Community Bank located?
Perham, MN.
What is the Net Interest Margin?
3.53%.
How many domestic offices does it operate?
3.
When was it established?
01/01/1911.
What is the Return on Assets (ROA)?
1.11%.
How much are total loans and leases?
$209.06M (latest filing).
What is the total interest income (latest filing)?
$4.56M.