Bank · FDIC insured
United Community Bank
A $359.3M bank headquartered in Perham, MN, with 3 branches in Minnesota.
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About United Community Bank
Chartered in 1911 and headquartered in Perham, Minnesota, United Community Bank is an independent, family-owned and operated bank.
Originally operating in Bertha, the bank relocated to Perham as Perham State Bank in 1934 before renaming to United Community Bank in 1995.
Serving the Minnesota lakes area and beyond, the bank also operates as an SBA Preferred Lender.
- Headquarters
- 301 W Main St, Perham, MN 56573
- FDIC certificate
- 8544 ↗
Branches
3 branches in Minnesota
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Minnesota
3 branches
Fergus Falls area · 2
- United Community BankMain office301 W Main St, Perham, MN 56573Directions
- Dent Branch101 1st Ave N, Dent, MN 56528Directions
Detroit Lakes area · 1
- Frazee Branch122 West Main Street, Frazee, MN 56544Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.49% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 2.95% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.88% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $66 | $81 | — |
- CapitalLeverage ratio10.49%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent2.95%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.88%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$66Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of United Community Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.