UCB Coffee Bar

About UCB

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Why bank local?

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We are …

an independent, family-owned and operated bank committed to empowering customers to achieve their financial goals, as we’ve done for over 100 years. We reinvest in the communities and individuals we serve, knowing that a healthy local economy is essential to our success.


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Our Mission

United Community Bank’s mission is to serve our community members and empower them to achieve their financial goals.


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Our History

United Community Bank was originally chartered in 1911 and has been in continuous operation since. It first operated in Bertha, Minnesota. When the only two banks in Perham, Minnesota, failed in the 1930s, the town was without a banking facility for approximately two years. In 1934 we were authorized to move our charter to Perham as Perham State Bank.

The bank’s name was changed to United Community Bank in 1995 to more accurately reflect our mission to serve the financial needs of an expanding area, as we acquired the Frazee branch from First Integrity Bank of Staples, Minnesota. We further expanded our footprint in 2007 with an in-store location located in the Central Market grocery store located in Perham and, in 2012, with the acquisition and merger with Farmer’s State Bank of Dent. In 2013 we moved our headquarters to our current location on Main Street in Perham.

We have since grown steadily with the strong support of our customers and now have total assets in excess of $250 million. We live, work, and play in the communities that we serve, and are committed to meeting the financial needs of our growing economies.


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Our Community Involvement

Community really is our middle name.

And so we take giving back pretty seriously. Each year our employees volunteer over 1100 hours at over 40 local nonprofits, and are even able to volunteer some of those hours during the work day.

We give back financially to our communities through sponsorships, donations, and of course, local lending.

Need help with your event? Click here for our Donation Request Form.


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Our Core Values

  • We demonstrate our integrity by doing the right thing.
  • We continually work to protect our customers’ information.
  • We exceed our customers’ expectations.
  • We reinvest in the communities and individuals we serve.
  • We foster a fun, welcoming, and respectful environment for all.


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We pride ourselves in our top-notch customer service. That means you’ll always speak to a local banker when you call (not a call center or automated answering machine) and our bankers will get to know you and your situation.

We also invest in state-of-the-art technology like our digital banking suite of services to allow customers to access and manage their finances completely online.

So you can have it both ways: personal service when you want, and a digital bank when you don’t.


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Join the Community!

Get started by opening an account or by calling us at 218-346-5700.