🏦Bank Scorer

UNITED COMMUNITY BANK

PERHAM, MN · Supervised by FDIC

Est. 1911FDIC #8,544RSSD: FDIC-8544
Part ofPERHAM STATE BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: August 2022

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Consumer Complaints (12 mo)

1

2.84 per $B assets · filed with CFPB

Financial Health

Adequate

ROA 0.95%

Institution Profile

FDIC BankFind

Address

301 W Main St, PERHAM, MN

County

Otter Tail County

Established

January 1, 1911

Total Assets

$352M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

August 1, 2022

Exam Type

Small Bank

Regulator

FDIC
Estimated next exam:Aug 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$352M

Total Deposits

$321M

Net Loans

$209M

Net Income

$842K

ROA

0.95%

ROE

11.79%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Complaints / $B2.84Peer avg: 411.37▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

3

Branch Deposits

$319M

1-Year Change

0

5-year net change: -1 branches

Consumer Complaints

CFPB · through May 2026

Last 12 Months

1

All Time

2

Monetary Relief

50%

Untimely Response

0%

Most common complaint type: Checking or savings account· 2.84 per $B assets (12m)

Rating History

CRA / FFIEC

Rating Trend

Stable

Based on last 3 exams

8 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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