# UNITED BANKERS BANK
RICHFIELD, MN · FDIC certificate 22180 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *lender to lenders*. Composite score 5 (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 | $1.05B | |
| Deposits | $635.6M | |
| Loans and leases | $780.0M | |
| Total equity | $147.0M | |
| Loans / deposits | 120.61% (p98 of band) | 87.10% |
| Liquid assets / assets | 22.82% (p57 of band) | |
| Uninsured deposits / deposits | 36.88% (p66 of band) | 30.76% |
| Brokered deposits | 23.04% | |
| Wholesale funding | 47.04% (p98 of band) | |
| FHLB advances / assets | 3.81% | |
| Tier 1 leverage | 14.46% (p91 of band) | 10.50% |
| Unrealized securities loss / equity | -4.91% (p64 of band) | -7.75% |
| AOCI / equity | 0.13% (p85 of band) | |
| ROA (annualized) | 1.28% (p52 of band) | 1.26% |
| Net interest margin | 3.10% (p20 of band) | 3.70% |
| Efficiency ratio | 71.33% (p81 of band) | |
| Noncurrent loans | 0.76% (p64 of band) | 0.51% |
| Net charge-offs (annualized) | 0.01% (p42 of band) | |
| Reserve coverage of noncurrent | 225.84% | |
| Real estate % of loans | 64% | |
| Construction % of loans | 52.01% (p55 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $168.5M (115% of equity) (p99 of band) | |
| Deposits YoY | 3.2% | |
| Employees | 133 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **loans-to-lenders >50% equity** (`conc_warehouse`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | charge-offs p90, reserve under noncurrent, loans-to-lenders >50% equity |  |
| 2011-06 | 3 | wholesale funding >15% | charge-offs p90 |
| 2011-09 | 2 |  | wholesale funding >15% |
| 2011-12 | 1 |  | reserve under noncurrent |
| 2012-03 | 2 | reserve under noncurrent |  |
| 2012-06 | 3 | charge-offs p90 |  |
| 2012-09 | 2 |  | charge-offs p90 |
| 2012-12 | 4 | brokered >10%, wholesale funding >15% |  |
| 2013-03 | 7 | uninsured deposits >50%, capital falling, NIM <2.5% |  |
| 2013-06 | 5 |  | reserve under noncurrent, capital falling |
| 2013-09 | 5 |  |  |
| 2013-12 | 4 | deposits shrinking | uninsured deposits >50%, NIM <2.5% |
| 2014-03 | 7 | uninsured deposits >50%, assets shrinking, uninsured deposits leaving |  |
| 2014-06 | 3 |  | deposits shrinking, uninsured deposits >50%, assets shrinking, uninsured deposits leaving |
| 2014-09 | 3 |  |  |
| 2014-12 | 4 | capital falling |  |
| 2015-03 | 6 | uninsured deposits >50%, NIM <2.5% |  |
| 2015-06 | 4 |  | capital falling, uninsured deposits >50% |
| 2015-09 | 4 |  |  |
| 2015-12 | 4 |  |  |
| 2016-03 | 3 |  | NIM <2.5% |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 5 | expense ratio p90, deposits shrinking |  |
| 2017-12 | 4 |  | expense ratio p90 |
| 2018-03 | 4 | assets shrinking | deposits shrinking |
| 2018-06 | 6 | loans exceed deposits, deposits shrinking, uninsured deposits leaving | assets shrinking |
| 2018-09 | 4 |  | loans exceed deposits, deposits shrinking |
| 2018-12 | 4 |  |  |
| 2019-03 | 3 |  | uninsured deposits leaving |
| 2019-06 | 6 | loans exceed deposits, assets shrinking, uninsured deposits leaving |  |
| 2019-09 | 5 | deposits shrinking | loans exceed deposits, uninsured deposits leaving |
| 2019-12 | 5 |  |  |
| 2020-03 | 5 | uninsured deposits >50%, capital falling | assets shrinking, deposits shrinking |
| 2020-06 | 5 |  |  |
| 2020-09 | 5 |  |  |
| 2020-12 | 5 | NIM <2.5% | brokered >10% |
| 2021-03 | 4 |  | capital falling |
| 2021-06 | 3 |  | wholesale funding >15% |
| 2021-09 | 4 | wholesale funding >15% |  |
| 2021-12 | 6 | capital falling, assets shrinking |  |
| 2022-03 | 6 | deposits shrinking | capital falling |
| 2022-06 | 7 | loans exceed deposits, uninsured deposits leaving | assets shrinking |
| 2022-09 | 7 | brokered >10% | uninsured deposits >50% |
| 2022-12 | 7 | capital falling | loans exceed deposits |
| 2023-03 | 7 | loans exceed deposits | capital falling |
| 2023-06 | 7 | assets shrinking | deposits shrinking |
| 2023-09 | 8 | expense ratio p90 |  |
| 2023-12 | 9 | deposits shrinking |  |
| 2024-03 | 6 |  | uninsured deposits leaving, assets shrinking, deposits shrinking |
| 2024-06 | 7 | assets shrinking |  |
| 2024-09 | 7 |  |  |
| 2024-12 | 6 |  | assets shrinking |
| 2025-03 | 7 | deposits shrinking, uninsured deposits leaving | expense ratio p90 |
| 2025-06 | 5 |  | deposits shrinking, uninsured deposits leaving |
| 2025-09 | 6 | deposits shrinking |  |
| 2025-12 | 5 |  | deposits shrinking |
| 2026-03 | 5 | assets shrinking | NIM <2.5% |
| 2026-06 | 5 |  |  |

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

- 2025-08-25 [United Bankers’ Bank moving headquarters to Two Meridian - rejournals.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxOX2gxcjB6bXAySG9kM05oTFBhdmI3LVdSZ2FuVXBFdWxwWVJFcXo1YXVmY1dmWmhLTzVPMlQ2cDRRWTBKSVZ2OU04M3JKRUQ3X2FCVzFzZE1iSWpIbDV2T3NIaU9LaGYtNzE4NHhqZzREZjdQNWlOOEowUGMyMzFUcUlmWkpLZw?oc=5) · rejournals.com
- 2025-08-19 [United Bankers' Bank to relocate HQ from Bloomington to Richfield's Meridian Crossings - The Business Journals](https://news.google.com/rss/articles/CBMirgFBVV95cUxPZjNJcmY4UFdGbFZvRHhfaUthVWtNOFZGdjVSTGlRTzFFREwtQVFQX2M2bmlCbFQydGZhSzJyRC13X3JRa2hzRGpiRlJhdUQwUkUzeUhTVEdDNXBubkh5WEZsY1RwamFaUzhYdjY3elc3SjNhMmpCQjdaRHFxRzcxam9OdHAxVUllNjJWUjhyVW5EdDE1ekF4NFdhOThKX2Vkcm5kMFg3b1ZCbkV0cHc?oc=5) · The Business Journals
- 2019-11-25 [Declining deposits ... Is it all bad news? - Federal Reserve Bank of Minneapolis](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOSmRUZnR1dEtrRjMwQmYtMS1GdG1FNnBzYjdSdG82VVFodDYxcWF4RV9SVzB3aVl0X3p0aW8tekxReUVqMmU0UWRfWW9DNEl5WHhfdjZ3cFpiUWZ6VkdOTFRSYVV4UUtkUkE1Vl8yM3dwYWdLbVBkM1kydFQ0WEtEZU1XY1lFUWFH?oc=5) · Federal Reserve Bank of Minneapolis
- 2025-04-09 [America's Best Regional Banks and Credit Unions 2025 - Minnesota - Newsweek Rankings](https://news.google.com/rss/articles/CBMikAFBVV95cUxOUzh0Z3pCcmdqcXR3Vi0xQ0IzV0VKUGE3ZHpzRWVTcGpKSjFNMk5BZ2c0SnRCa1ZYRVlzd0dfX3ZlWVpDaDVhNXdGSXpERG0tZzN6VzRTRkp1ek50ZFJCei1sWHhSNXoxSlg0di1CMkpLUzliel9KS1dLWXMwOVdnaXpFcHJMUm9ydmxuMFpISDg?oc=5) · Newsweek Rankings
- 2017-05-14 [Security Bank USA joins ICBA for meeting with President Trump - Bemidji Pioneer](https://news.google.com/rss/articles/CBMiowFBVV95cUxQZWNxeG1YUDQ4NTVCb3NGLTVUbndvMHV2UnpDR19ZS3k1WDN1ZWJ5QUh5UXgwcXdieE9jNlFVMThMb2ZOd0Q5RlM5a2Y2UjY0VWlLOS1TczBkZE9rVnA1VG5idkh1RVhXLVdvZXdXVUEwN0N1dU11eXU0Y1NyTF9JZHpXdEw5NjZCNDU3UkpQMlREcVItMk1DZHdzMVFNLXphVzVr?oc=5) · Bemidji Pioneer
- 2014-05-21 [News | Cinemasota Pays $1.8M for Saint Michael Retail - costar.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxQQmx3MEQzLTJBWURIaHVZSXpOQkdGcC1pcW9aUlNRWWRaeHpSbjAwMU5tRnMzTnMyeXdtQURId3NubzBkakJZcWFidzh6MUxFS3pyVmNhRHVqSjAxdXNNcXRxOVh1RkVubS1ranNoZC1PdTd1dDZVYUxrb2V0TGx5dld0TnN2dUZDb1E?oc=5) · costar.com
- 2025-01-20 [William Rosacker Obituary (2025) - St. Paul, MN - O'Halloran & Murphy Funeral and Cremation Services - St. Paul - legacy.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxNV2c2RVpxeS1LMGdqRmpqNEt4ODFhLWU2UExvblhrdU9Oc2I0bV9rYW8tMkdycTFQdm1mell0d0Fqc0JfcjhiYlpMR3laamdrV1NxMDBvZ1BaQWFucEwzNXd2TDEyYVdwUFd4WmMxRXdBbmZ1YnRsVjlfeEdnbGV1N0JucUFlQQ?oc=5) · legacy.com
- 2023-07-20 [The List Of First 35 Approved FedNow Providers - Crowdfund Insider](https://news.google.com/rss/articles/CBMimwFBVV95cUxPdmVoN0lEbkwtcmlfMjEydDFNSVdlRFRiRmtXV0pnU2poTmM0TUo1MFZtU3JQWWRNUkdwcHhhbW12NVA5d2xBT3Y2aURlUGZZZWI3dXpOM2VRMTBxR1I5WXQ2WUFzcjRsSjRoYVlpLTB3eE1sbTlWTHlzV2JkdGprbGUyRU92QWNsZDVFTDBSWWJyUG1vOGg4OUtnNA?oc=5) · Crowdfund Insider

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=22180 (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/36.json (key "22180", 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