D
United Minnesota Bank
Rating Date
October 2025
Risk Based
Capital Ratio
14.60
Leverage
Ratio
7.89
Return On
Assets
1.61%
Total
Assets
50.80M
Capital
3.93M
Total
Deposits
46.76M
Net
Income
404.00K
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Weiss Ratings United Minnesota Bank
New London, MN 		Click to
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Rating D
Asset Quality Index 6.30
Capitalization Index 5.60
Liquidity Index 1.20
Profitability Index 6.50
Stability Index 2.30
Company Info United Minnesota Bank
New London, MN 		Click to
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FDIC Number 10567
Phone Number (320) 354-2277
Website www.umbnl.com
Asset Quality United Minnesota Bank
New London, MN 		Click to
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1-Year Asset Growth 2.35%
5-Year Asset Growth 9.83%
5-Year Charge-Offs to Average Loans 0.07%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.35%
Non-Performing Loans to Capital 2.56%
Non-Performing Loans to Loans 0.30%
Balance Sheet United Minnesota Bank
New London, MN 		Click to
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Total Assets 50.80M
Total Deposits 46.76M
Capital and Reserves United Minnesota Bank
New London, MN 		Click to
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Capital 3.93M
Leverage Ratio 7.89
Loan Loss Reserves to Loans 0.92%
Risk-Based Capital Ratio 14.60
Liquidity United Minnesota Bank
New London, MN 		Click to
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Hot Money Ratio 11.23%
Liquidity Ratio 26.68%
Profitability United Minnesota Bank
New London, MN 		Click to
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5-Year Return on Average Assets 0.74%
Net Income 404.00K
Net Interest Spread 4.68%
Operating Profit to Average Assets 1.95%
Overhead Efficiency Ratio 58.93%
Return on Assets 1.61%
Return on Equity 21.44%