# UNITED MINNESOTA BANK
NEW LONDON, MN · FDIC certificate 10567 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $56.9M | |
| Deposits | $52.5M | |
| Loans and leases | $45.0M | |
| Total equity | $4.3M | |
| Loans / deposits | 84.98% (p71 of band) | 73.59% |
| Liquid assets / assets | 18.92% (p19 of band) | |
| Uninsured deposits / deposits | 13.56% (p26 of band) | 19.81% |
| Brokered deposits | 3.51% | |
| Wholesale funding | 3.51% (p67 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 7.78% (p2 of band) | 11.76% |
| Unrealized securities loss / equity | -8.50% (p44 of band) | -6.57% |
| AOCI / equity | 0.00% (p78 of band) | |
| ROA (annualized) | 1.60% (p73 of band) | 1.17% |
| Net interest margin | 4.82% (p86 of band) | 3.93% |
| Efficiency ratio | 56.46% (p26 of band) | |
| Noncurrent loans | 0.54% (p57 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 147.95% | |
| Real estate % of loans | 74% | |
| Construction % of loans | 61.11% (p85 of band) | |
| Auto loans | $1.9M (4.24% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 12.3% | |
| Employees | 6 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | deposits shrinking, assets shrinking | reserve under noncurrent |
| 2012-06 | 3 | uninsured deposits leaving |  |
| 2012-09 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2012-12 | 2 | capital falling, reserve under noncurrent |  |
| 2013-03 | 1 |  | capital falling |
| 2013-06 | 0 |  | reserve under noncurrent |
| 2013-09 | 0 |  |  |
| 2013-12 | 2 | capital falling, uninsured deposits leaving |  |
| 2014-03 | 0 |  | capital falling, uninsured deposits leaving |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | uninsured deposits leaving |  |
| 2015-12 | 1 | reserve under noncurrent | uninsured deposits leaving |
| 2016-03 | 3 | capital falling, uninsured deposits leaving |  |
| 2016-06 | 0 |  | reserve under noncurrent, capital falling, uninsured deposits leaving |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | construction >100% equity |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | capital falling, uninsured deposits leaving | construction >100% equity |
| 2018-06 | 0 |  | capital falling, uninsured deposits leaving |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | uninsured deposits leaving |  |
| 2019-03 | 1 | capital falling | uninsured deposits leaving |
| 2019-06 | 0 |  | capital falling |
| 2019-09 | 1 | charge-offs p90 |  |
| 2019-12 | 1 | capital falling | charge-offs p90 |
| 2020-03 | 2 | leverage <7% |  |
| 2020-06 | 0 |  | capital falling, leverage <7% |
| 2020-09 | 1 | leverage <7% |  |
| 2020-12 | 2 | capital falling |  |
| 2021-03 | 1 |  | capital falling |
| 2021-06 | 1 |  |  |
| 2021-09 | 2 | construction >100% equity |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 3 | capital falling |  |
| 2022-06 | 2 |  | capital falling |
| 2022-09 | 1 |  | construction >100% equity |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 2 | noncurrent p90, reserve under noncurrent | leverage <7% |
| 2023-09 | 1 |  | noncurrent p90 |
| 2023-12 | 1 | leverage <7% | reserve under noncurrent |
| 2024-03 | 0 |  | leverage <7% |
| 2024-06 | 1 | reserve under noncurrent |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 2 | charge-offs p90, uninsured deposits leaving | reserve under noncurrent |
| 2025-03 | 2 | capital falling | charge-offs p90 |
| 2025-06 | 0 |  | uninsured deposits leaving, capital falling |
| 2025-09 | 1 | charge-offs p90 |  |
| 2025-12 | 0 |  | charge-offs p90 |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-12 [Steven Patrick Payne Obituary Jun 6, 2026 - Kinkade Funeral Chapel](https://news.google.com/rss/articles/CBMiZkFVX3lxTE1rT2ZodjRQb0NZbkZ2NlBUaXJINnQwdlRoM0ozQ1d4dUpsNnZWVENJWnNFYXFCVHJWdjMzcW9FcmNZQlBIQjZlQkJEdjJFSGg1X2ZSc0hZMW9Ya0w1Yk81Z0Y2UHlmZw?oc=5) · Kinkade Funeral Chapel
- 2024-10-16 [Google Wallet adds 17 new supported banks in the US - androidpolice.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxQeVVkWkxXV2lsbXRJMkVNVVBlZjFpMy1semFrRjdNc1JYV2pROS1TZ0pNaGU2U1RtUkhEYVNCYzVyVlJjT0xWN0Zoc0NBbWF3S3F2OTFCVkFDaFdzMGVJOEZPdXpjOTRReTRvWG90am8yNjBJcDdwLWc3Y29XOUhra0FqUklUbUNUSGc?oc=5) · androidpolice.com
- 2024-10-17 [Google Wallet support expands to 17 new banks in the United States - PhoneArena](https://news.google.com/rss/articles/CBMifkFVX3lxTFBHak8zYjA0MzdmN0E0WmJJdlFHV2UxdUFKdUZZd2Y0T0k2T0hybHl6OGlkY0EzcjN0Z3dzSXg3MFRwUWY0MnlsdW5UMTN3ZnlxNFFibnlVTkN6WEtHdnA2ZVgtZFFVTzVseXVXYUh6Q19TUUUwNmwzNXV1dHZzQQ?oc=5) · PhoneArena
- 2019-02-16 [Family fighters: NLS high school senior and three family members all diagnosed with cancer in four-week period - West Central Tribune](https://news.google.com/rss/articles/CBMi2gFBVV95cUxON3RYNnNlQXFEa0t3eG0yWEJLODBrZ3BFTmtZRXZHZGwtOWpRRXdDeU5hYVZKdElqeGRxelJBVXVIN0JyaTBlc3VWeGZBS2tkVTZ6cV92dVNmVkhNX2F0OXhjRzRTYUtPZ1pqcHV2M3VzUlVqUkQ4UGxNOGRxSXRBNXlCZXNWRE1vT1hHY3BmQjZyaVBFVmhRQWt4bEZtS2xGczlaOGM0MTBlRjRPYnFhei1LZ0JVdndoWXpzekNZZFg4blJmQWhMdVZJenlNMDVtN2JVRGRBd2tVQQ?oc=5) · West Central Tribune
- 2023-02-15 [What is Google Wallet? Everything you need to know - Android Headlines](https://news.google.com/rss/articles/CBMiYEFVX3lxTFBCaV9kek5yUC10U2x6b3lxN3lSd05qZmJxcmd2dG1fQ2xZYy01bmVlN1dGR2s5b3BrdU1rQUZqWGtkUmUxOHhmSUVBSlhxN1hEd2VQamZ1QTk4bHNJMjBGNw?oc=5) · Android Headlines
- 2012-09-27 [Wedding - Asbury and Kluver - Alexandria Echo Press](https://news.google.com/rss/articles/CBMiYEFVX3lxTE1MM1ZIaUJRYUJtLVVJUmJqNTNQaF8ydVlyNHBaOVpXem5qbFdBdW1meUJQRWJLdmpqX3Z1VHlmSDdSNkFwUTlPOXR0RTJaZmY5aTMtU0FTMkJYQzg1b1VZRQ?oc=5) · Alexandria Echo Press

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10567 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/7.json (key "10567", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide