United Bankers' Bank is a state-chartered bank (fed member) headquartered in Richfield, Minnesota, in business for about 51 years. At the end of Q2 2026 it reported $1.1B in total assets and $635.6M in deposits, with 1 office.
United Bankers' Bank has a TellerScore of 74 out of 100 (strong) based on Q2 2026 data — higher than 74% of its 897 banks with $1 billion – $10 billion. Among 223 banks headquartered in Minnesota, it ranks 65th. Capital cushion contributes the most (95/100, 14.46%); funding & liquidity contributes the least (26/100, 121% loans-to-deposits, 37% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 4 points (70 → 74), mostly because the earnings component improved by 29 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 59 |
| Q3 2024 | 58 |
| Q4 2024 | 69 |
| Q1 2025 | 71 |
| Q2 2025 | 70 |
| Q3 2025 | 69 |
| Q4 2025 | 70 |
| Q1 2026 | 73 |
| Q2 2026 | 74 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.18% |
| Q3 2024 | 12.07% |
| Q4 2024 | 13.00% |
| Q1 2025 | 13.60% |
| Q2 2025 | 13.61% |
| Q3 2025 | 13.23% |
| Q4 2025 | 13.27% |
| Q1 2026 | 13.66% |
| Q2 2026 | 14.46% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.25% |
| Q3 2024 | 1.22% |
| Q4 2024 | 0.27% |
| Q1 2025 | 0.48% |
| Q2 2025 | 0.43% |
| Q3 2025 | 0.46% |
| Q4 2025 | 0.29% |
| Q1 2026 | 0.29% |
| Q2 2026 | 0.76% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.55% |
| Q3 2024 | 0.45% |
| Q4 2024 | 0.35% |
| Q1 2025 | 0.66% |
| Q2 2025 | 0.55% |
| Q3 2025 | 0.56% |
| Q4 2025 | 0.58% |
| Q1 2026 | 0.91% |
| Q2 2026 | 1.28% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 74 | $1.1B | 14.46% | 0.76% | 1.28% | 120.6% |
| Q1 2026 | 73 | $1.0B | 13.66% | 0.29% | 0.91% | 119.5% |
| Q4 2025 | 70 | $1.3B | 13.27% | 0.29% | 0.58% | 117.7% |
| Q3 2025 | 69 | $1.1B | 13.23% | 0.46% | 0.56% | 128.4% |
| Q2 2025 | 70 | $1.1B | 13.61% | 0.43% | 0.55% | 123.9% |
| Q1 2025 | 71 | $1.3B | 13.60% | 0.48% | 0.66% | 111.5% |
| Q4 2024 | 69 | $1.2B | 13.00% | 0.27% | 0.35% | 105.1% |
| Q3 2024 | 58 | $1.1B | 12.07% | 1.22% | 0.45% | 107.8% |
| Q2 2024 | 59 | $1.1B | 12.18% | 1.25% | 0.55% | 117.2% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Minnesota
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| MidCountry BankBank Minneapolis, MN | 72 out of 100, Strong | $1.1B | 13.0% | 0.90% | vs |
| The First National Bank of BemidjiBank Bemidji, MN | 62 out of 100, Moderate | $1.1B | 11.1% | 1.99% | vs |
| First Resource BankBank Lino Lakes, MN | 66 out of 100, Moderate | $1.1B | 8.3% | 0.09% | vs |
| Premier BankBank Maplewood, MN | 76 out of 100, Strong | $1.2B | 10.2% | 0.00% | vs |
| Security Bank & Trust CompanyBank Glencoe, MN | 74 out of 100, Strong | $1.3B | 9.4% | 0.34% | vs |
| Citizens Alliance BankBank Clara City, MN | 47 out of 100, Below average | $1.4B | 9.8% | 1.48% | vs |
Deposit insurance
Is my money safe at United Bankers' Bank?
Yes. United Bankers' Bank is an FDIC-insured institution (FDIC certificate #22180). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 36.9% of deposits ($234.4M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 14.46%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 18.37% (benchmark: 10%).
1 location
Branches
United Bankers' Bank lists 1 office in 1 city. Most locations:
- Richfield, MN (1)
Identity & history
Profile
- Legal name
- United Bankers' Bank
- Former names
- Independent State Bank of Minnesota
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 22180
- RSSD ID
- 930358
- Primary regulator
- FED
- Holding company
- United Bankers Bcorp Inc
- Established
- December 15, 1975
- Headquarters
- 2 Meridian Xing, Richfield, MN 55423
- Website
- www.ubb.bank
- Employees
- 133
Quick answers
United Bankers' Bank: common questions
Is United Bankers' Bank FDIC insured?
Yes. United Bankers' Bank is an FDIC-insured institution (FDIC certificate #22180). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is United Bankers' Bank's TellerScore?
74 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has United Bankers' Bank ever failed?
There is no failure record for FDIC certificate #22180 in the FDIC failed bank list.
How many branches does United Bankers' Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Richfield
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Castle Rock BankBank Castle Rock, MN | 93 out of 100, Very strong | $293.5M | 14.2% | 0.01% | vs |
| Vermillion State BankBank Vermillion, MN | 90 out of 100, Very strong | $931.4M | 13.4% | 0.24% | vs |
| Ziegler Federal Credit UnionCredit union Bloomington, MN | 87 out of 100, Very strong | $4.3M | 26.9% | 1.09% | vs |
| Think Mutual BankBank Rochester, MN | 86 out of 100, Very strong | $2.2B | 16.3% | 0.25% | vs |
| Carpenters Federal Credit UnionCredit union Saint Paul, MN | 86 out of 100, Very strong | $44.3M | 16.0% | 1.01% | vs |
| Toro Employees Federal Credit UnionCredit union Bloomington, MN | 84 out of 100, Strong | $41.5M | 14.5% | 0.56% | vs |