Research terminalQ2 2026 · 4,313 institutions · refreshed 8/27/2026 · database outage

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Q2 2026 · 4,313 institutions · refreshed 8/27/2026

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OptimaYield board tearsheet · reported facts

UNITED BANKERS BANK

FDIC #22180 · MN · period 20260630

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Total assets1,039,467-5.53% YoY

Total deposits895,515-5.42% YoY

Net loans and leases615,284-2.84% YoY

Return on assets0.87%-15.61% YoY

Return on equity7.63%-35.67% YoY

Net interest margin2.62%+36.13% YoY

Peer position

Return on assets52ndin line · n=902

Return on equity34thin line · n=894

Net interest margin20thopportunity · n=902

Equity to assets89thstrength · n=894

Noncurrent loans36thin line · n=887

Liquid assets41stin line · n=895

Brokered deposits2ndopportunity · n=890

Loans to deposits2ndopportunity · n=890

Ten-year reported history

Period	Assets	Deposits	Loans	ROA	ROE	NIM
2020-06-30	1,039,467	895,515	615,284	0.87	7.63	2.62
2020-09-30	1,028,764	852,276	622,794	0.74	6.60	2.55
2020-12-31	1,344,287	1,011,487	641,502	0.72	6.82	2.40
2021-03-31	1,540,288	1,005,095	626,253	0.94	11.97	1.76
2021-06-30	1,100,310	946,827	633,280	1.03	11.86	1.93
2021-09-30	1,227,121	913,779	650,931	1.05	11.68	2.00
2021-12-31	1,272,894	980,817	664,352	0.99	10.89	2.05
2022-03-31	1,138,128	878,056	666,030	1.06	10.61	2.35
2022-06-30	1,293,962	653,103	686,079	0.92	9.48	2.33
2022-09-30	1,327,690	675,030	705,263	0.84	8.94	2.27
2022-12-31	1,239,412	724,248	717,132	0.55	5.91	2.18
2023-03-31	1,189,099	662,818	717,061	1.07	10.93	1.71
2023-06-30	1,223,087	653,828	740,670	0.57	5.85	1.72
2023-09-30	1,180,835	674,478	736,220	0.45	4.53	1.70
2023-12-31	1,166,520	675,878	737,519	0.27	2.70	1.71
2024-03-31	1,151,412	687,608	739,457	0.34	3.15	1.70
2024-06-30	1,114,206	627,120	734,750	0.55	5.02	1.77
2024-09-30	1,118,251	653,020	704,183	0.45	4.01	1.78
2024-12-31	1,249,756	671,972	706,240	0.35	3.21	1.83
2025-03-31	1,254,707	643,238	717,503	0.66	6.29	2.03
2025-06-30	1,127,260	615,678	762,739	0.55	5.03	2.27
2025-09-30	1,138,343	610,594	783,840	0.56	4.99	2.41
2025-12-31	1,306,031	662,653	780,166	0.58	5.16	2.48
2026-03-31	1,044,845	646,794	772,957	0.91	7.53	2.92
2026-06-30	1,050,843	635,555	766,519	1.28	10.10	3.10

Structure and branch footprint

1 current branch locations across 1 states as of 2026-08-22. This is an annual branch-location count, not deposit market share.

Date	Code	Predecessor RSSD	Successor RSSD
2016-07-23	1	155517	930358

Reviewed intelligence

No reviewed or published intelligence is linked to this institution.

Scope and limitations

Financial facts are scoped to the FDIC-insured bank. NIC transformations use the linked RSSD identity; SEC issuer and bank-holding-company facts are not silently combined. Branch data follows its annual source cadence. Intelligence appears only after review or publication.