United Community Bank is a state-chartered bank headquartered in Perham, Minnesota, in business for about 115 years. At the end of Q2 2026 it reported $359.3M in total assets and $326.7M in deposits, with 3 offices.
United Community Bank has a TellerScore of 49 out of 100 (below average) based on Q2 2026 data — higher than only 6% of its 2,650 banks with $100 million – $1 billion. Among 223 banks headquartered in Minnesota, it ranks 202nd. Funding & liquidity contributes the most (96/100, 65% loans-to-deposits, 14% uninsured); loan quality contributes the least (2/100, 2.95%).
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 fell 20 points (69 → 49), mostly because the loan quality component weakened by 72 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 73 |
| Q3 2024 | 75 |
| Q4 2024 | 63 |
| Q1 2025 | 70 |
| Q2 2025 | 69 |
| Q3 2025 | 69 |
| Q4 2025 | 50 |
| Q1 2026 | 50 |
| Q2 2026 | 49 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.05% |
| Q3 2024 | 9.97% |
| Q4 2024 | 9.96% |
| Q1 2025 | 10.30% |
| Q2 2025 | 10.17% |
| Q3 2025 | 10.30% |
| Q4 2025 | 10.42% |
| Q1 2026 | 10.65% |
| Q2 2026 | 10.49% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.13% |
| Q3 2024 | 0.12% |
| Q4 2024 | 1.27% |
| Q1 2025 | 0.77% |
| Q2 2025 | 0.79% |
| Q3 2025 | 0.94% |
| Q4 2025 | 2.93% |
| Q1 2026 | 2.83% |
| Q2 2026 | 2.95% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.75% |
| Q3 2024 | 0.91% |
| Q4 2024 | 0.87% |
| Q1 2025 | 0.95% |
| Q2 2025 | 0.92% |
| Q3 2025 | 1.06% |
| Q4 2025 | 1.07% |
| Q1 2026 | 0.95% |
| Q2 2026 | 0.88% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 49 | $359.3M | 10.49% | 2.95% | 0.88% | 64.6% |
| Q1 2026 | 50 | $352.4M | 10.65% | 2.83% | 0.95% | 65.1% |
| Q4 2025 | 50 | $354.1M | 10.42% | 2.93% | 1.07% | 64.9% |
| Q3 2025 | 69 | $351.6M | 10.30% | 0.94% | 1.06% | 63.9% |
| Q2 2025 | 69 | $346.5M | 10.17% | 0.79% | 0.92% | 64.5% |
| Q1 2025 | 70 | $350.3M | 10.30% | 0.77% | 0.95% | 62.1% |
| Q4 2024 | 63 | $345.7M | 9.96% | 1.27% | 0.87% | 63.5% |
| Q3 2024 | 75 | $348.8M | 9.97% | 0.12% | 0.91% | 63.1% |
| Q2 2024 | 73 | $331.6M | 10.05% | 0.13% | 0.75% | 65.7% |
2,650 peers · $100 million – $1 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 |
|---|---|---|---|---|---|
| Heritage Bank National AssociationBank Spicer, MN | 34 out of 100, Low | $361.1M | 10.8% | 3.84% | vs |
| Harvest BankBank Kimball, MN | 63 out of 100, Moderate | $355.1M | 9.2% | 0.80% | vs |
| ProGrowth BankBank Nicollet, MN | 56 out of 100, Moderate | $364.8M | 7.1% | 0.00% | vs |
| Granite BankBank Cold Spring, MN | 53 out of 100, Below average | $353.2M | 8.5% | 1.38% | vs |
| Sherburne BankBank Becker, MN | 78 out of 100, Strong | $351.1M | 9.5% | 0.02% | vs |
| First Bank Elk RiverBank Elk River, MN | 64 out of 100, Moderate | $369.2M | 10.7% | 0.53% | vs |
Deposit insurance
Is my money safe at United Community Bank?
Yes. United Community Bank is an FDIC-insured institution (FDIC certificate #8544). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 13.9% of deposits ($45.4M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.49%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
3 locations
Branches
United Community Bank lists 3 offices in 3 cities. Most locations:
- Dent, MN (1)
- Frazee, MN (1)
- Perham, MN (1)
Identity & history
Profile
- Legal name
- United Community Bank
- Former names
- Perham State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 8544
- RSSD ID
- 847157
- Primary regulator
- FDIC
- Holding company
- Perham State Bancshares Inc
- Established
- January 1, 1911
- Headquarters
- 301 W Main St, Perham, MN 56573
- Website
- www.ucbankmn.com
- Employees
- 54
Quick answers
United Community Bank: common questions
Is United Community Bank FDIC insured?
Yes. United Community Bank is an FDIC-insured institution (FDIC certificate #8544). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is United Community Bank's TellerScore?
49 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has United Community Bank ever failed?
There is no failure record for FDIC certificate #8544 in the FDIC failed bank list.
How many branches does United Community Bank have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Perham
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Vergas State BankBank Vergas, MN | 93 out of 100, Very strong | $60.7M | 15.3% | 0.16% | vs |
| Wadena State BankBank Wadena, MN | 81 out of 100, Strong | $206.6M | 9.8% | 0.04% | vs |
| Midwest BankBank Detroit Lakes, MN | 74 out of 100, Strong | $984.5M | 9.8% | 0.05% | vs |
| Northwestern Bank, National AssociationBank Dilworth, MN | 70 out of 100, Strong | $164.7M | 11.2% | 1.23% | vs |
| Magnifi Financial Credit UnionCredit union Melrose, MN | 68 out of 100, Moderate | $2.8B | 11.0% | 0.21% | vs |
| American National Bank of MinnesotaBank Baxter, MN | 65 out of 100, Moderate | $473.2M | 10.8% | 1.00% | vs |