Side-by-side · Q2 2026 data
Ultima Bank Minnesota vs United Valley Bank
Metric by metric
| Measure | Ultima Bank Minnesota | United Valley Bank |
|---|---|---|
| TellerScore | 72 | 72 |
| Capital cushion | 58 (stronger) | 55 |
| Loan quality | 79 | 96 (stronger) |
| Earnings | 90 (stronger) | 64 |
| Funding & liquidity | 50 | 62 (stronger) |
| Problem-loan coverage | 90 | 98 (stronger) |
| Peer percentile | 50th | 50th |
| Total assets | $333.9M | $751.6M |
| Deposits / shares | $277.3M | $628.5M |
| Capital ratio | 10.83% (stronger) | 10.50% |
| Problem loans | 0.62% | 0.13% (stronger) |
| Net charge-offs | 0.00% | 0.00% (stronger) |
| Return on assets | 1.76% (stronger) | 1.10% |
| Loans ÷ deposits | 112.2% | 86.5% (stronger) |
| Uninsured deposits | 10.7% (stronger) | 25.2% |
| Offices | 6 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Ultima Bank Minnesota leads on 3 and United Valley Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.