United Minnesota Bank

Overview / Commentary

www.umbnl.com

320-354-2277

105 Central Avenue
New London, MN 56273

United Minnesota Bank is headquartered in New London and is the 238^th largest bank in the state of Minnesota. It is also the 4,679^th largest bank in the nation. It was established in 1890 and as of September of 2021, it had grown to 7 employees at 1 location. United Minnesota Bank has a B health rating.

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Health

Data as of Q3 2021

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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. United Minnesota Bank has a low asset base.

Health Grade Components

Overall
FDIC Certificate #	10567
Year Established	1890
Employees	7
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.11%
Return on Equity - YTD	18.05%
Annual Interest Income	$980.00K

Assets and Liabilities
Assets	Q3 2021vs Q3 2020	$44.9MM$39.8MM
Loans	Q3 2021vs Q3 2020	$29.1MM$26.7MM
Deposits	Q3 2021vs Q3 2020	$42.0MM$37.1MM
Equity Capital	Q3 2021vs Q3 2020	$2.8MM$2.6MM
Loan Loss Allowance	Q3 2021vs Q3 2020	$186.00K$175.00K
Unbacked Noncurrent Loans	Q3 2021vs Q3 2020	$0$0
Real Estate Owned	Q3 2021vs Q3 2020	$0$0

Rates

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Savings
Money Market
Checking
CD

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

United Minnesota Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.07%	$50	-	Health Savings Account
0.06%	$10	-	Savings Account
0.06%	$50	-	Adult Savings Account

United Minnesota Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.07%^*	$100k^*	-	Platinum Money Market
OTHER TIERS: 0.03% → $2.5k - $10k \| 0.04% → $10k - $25k \| 0.05% → $25k - $50k \| 0.06% → $50k - $100k

United Minnesota Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.05%	-	-	Liquidity Checking
0.04%	$300	-	MN Classic 50

United Minnesota Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.60%	$500	-	60 Month CD
0.55%	$500	-	48 Month CD
0.50%	$500	-	36 Month CD
0.45%	$500	-	24 Month CD
0.40%	$500	-	18 Month CD
0.20%	$500	-	12 Month CD
0.13%	$1k	-	182 Day CD
0.09%	$1k	-	91 Day CD

Locations

United Minnesota Bank Locations
United Minnesota Bank	105 Central Avenue	New London, MN 56273

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