United Minnesota Bank
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.4 on a scale of 0 to 10). Good current capitalization (5.8 on a scale of 0 to 10) based on a risk-based capital ratio of 12.9 and a capital leverage ratio of 7.8.
Other Rating Factors:
Very Weak liquidity 0.8, driven by a liquidity ratio of 18.1 percent and a “hot money” ratio of 18.8 percent. A current level of 5.3 percent of nonperforming loans to core capital combined with 2.6 percent from a year earlier contributes to the Good asset quality (6.0).
Asset Mix:
Home mtgs (42%), cash (13%), comm loans (11%), consumer loans (7%), comm re (6%), securities (5%), home eq lns (2%), other (14%)
States with Branches:
MN
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Carlson Bankshares, Inc.
Investment Rating
--
Address
105 Central Avenue, East
New London, MN 56273
New London, MN 56273
Phone Number
(320) 354-2277
Year Founded
1890
FDIC Number
Website
Largest Affiliates
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