Headquartered in New London, Minnesota, United Minnesota Bank is a state-chartered bank with $56.9M in total assets and $52.5M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1890.
United Minnesota Bank has a TellerScore of 66 out of 100 (moderate) based on Q2 2026 data — higher than only 28% of its 546 banks with under $100 million in assets. Among 223 banks headquartered in Minnesota, it ranks 145th. Problem-loan coverage contributes the most (89/100, 5.3%); capital cushion contributes the least (28/100, 7.78%).
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 4 points (70 → 66), mostly because the funding & liquidity component weakened by 9 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 67 |
| Q3 2024 | 68 |
| Q4 2024 | 62 |
| Q1 2025 | 67 |
| Q2 2025 | 70 |
| Q3 2025 | 68 |
| Q4 2025 | 67 |
| Q1 2026 | 69 |
| Q2 2026 | 66 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 7.70% |
| Q3 2024 | 8.10% |
| Q4 2024 | 7.51% |
| Q1 2025 | 7.34% |
| Q2 2025 | 7.89% |
| Q3 2025 | 8.02% |
| Q4 2025 | 8.02% |
| Q1 2026 | 7.57% |
| Q2 2026 | 7.78% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.88% |
| Q3 2024 | 0.91% |
| Q4 2024 | 0.39% |
| Q1 2025 | 0.38% |
| Q2 2025 | 0.30% |
| Q3 2025 | 0.27% |
| Q4 2025 | 0.25% |
| Q1 2026 | 0.22% |
| Q2 2026 | 0.54% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.83% |
| Q3 2024 | 1.99% |
| Q4 2024 | 0.82% |
| Q1 2025 | 1.60% |
| Q2 2025 | 1.61% |
| Q3 2025 | 1.38% |
| Q4 2025 | 1.15% |
| Q1 2026 | 1.61% |
| Q2 2026 | 1.60% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 66 | $56.9M | 7.78% | 0.54% | 1.60% | 85.0% |
| Q1 2026 | 69 | $53.6M | 7.57% | 0.22% | 1.61% | 83.8% |
| Q4 2025 | 67 | $52.4M | 8.02% | 0.25% | 1.15% | 82.0% |
| Q3 2025 | 68 | $49.8M | 8.02% | 0.27% | 1.38% | 83.5% |
| Q2 2025 | 70 | $50.8M | 7.89% | 0.30% | 1.61% | 76.5% |
| Q1 2025 | 67 | $49.8M | 7.34% | 0.38% | 1.60% | 74.3% |
| Q4 2024 | 62 | $49.8M | 7.51% | 0.39% | 0.82% | 73.9% |
| Q3 2024 | 68 | $48.9M | 8.10% | 0.91% | 1.99% | 73.1% |
| Q2 2024 | 67 | $49.6M | 7.70% | 0.88% | 1.83% | 67.9% |
546 peers · Under $100 million in assets
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 |
|---|---|---|---|---|---|
| Arlington State BankBank Arlington, MN | 50 out of 100, Below average | $56.7M | 10.1% | 2.12% | vs |
| Grove BankBank Grove City, MN | 65 out of 100, Moderate | $56.4M | 10.0% | 0.11% | vs |
| First Financial Bank in WinnebagoBank Winnebago, MN | 82 out of 100, Strong | $58.1M | 13.8% | 0.66% | vs |
| Vergas State BankBank Vergas, MN | 93 out of 100, Very strong | $60.7M | 15.3% | 0.16% | vs |
| Farmers and Merchants State Bank of AppletonBank Appleton, MN | 70 out of 100, Strong | $62.0M | 13.0% | 1.89% | vs |
| The Northern State Bank of GonvickBank Gonvick, MN | 86 out of 100, Very strong | $50.6M | 15.7% | 1.00% | vs |
Deposit insurance
Is my money safe at United Minnesota Bank?
Yes. United Minnesota Bank is an FDIC-insured institution (FDIC certificate #10567). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 13.6% of deposits ($7.1M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 7.78%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.91% (benchmark: 10%).
1 location
Branches
United Minnesota Bank lists 1 office in 1 city. Most locations:
- New London, MN (1)
Identity & history
Profile
- Legal name
- United Minnesota Bank
- Former names
- First State Bank of New London; State Bank of New London
- Type
- State-chartered bank
- FDIC certificate #
- 10567
- RSSD ID
- 842853
- Primary regulator
- FDIC
- Holding company
- Carlson Bankshares Inc
- Established
- May 5, 1890
- Headquarters
- 105 Central Ave E, New London, MN 56273
- Website
- www.umbnl.com
- Employees
- 6
Quick answers
United Minnesota Bank: common questions
Is United Minnesota Bank FDIC insured?
Yes. United Minnesota Bank is an FDIC-insured institution (FDIC certificate #10567). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is United Minnesota Bank's TellerScore?
66 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has United Minnesota Bank ever failed?
There is no failure record for FDIC certificate #10567 in the FDIC failed bank list.
How many branches does United Minnesota Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near New London
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| St. Martin National BankBank Saint Martin, MN | 100 out of 100, Very strong | $29.4M | 15.5% | 0.00% | vs |
| Lake Region BankBank New London, MN | 84 out of 100, Strong | $153.0M | 10.4% | 0.09% | vs |
| Home State BankBank Litchfield, MN | 83 out of 100, Strong | $218.9M | 11.8% | 0.08% | vs |
| Kensington BankBank Kensington, MN | 69 out of 100, Moderate | $446.7M | 9.9% | 0.58% | vs |
| Co-Op Credit Union of MontevideoCredit union Montevideo, MN | 69 out of 100, Moderate | $422.8M | 15.8% | 3.18% | vs |
| Farmers and Merchants State Bank of PierzBank Pierz, MN | 69 out of 100, Moderate | $336.2M | 9.3% | 1.03% | vs |