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 $269 million. We live, work, and play in the communities that we serve, and are committed to meeting the financial needs of our growing economies.


  • Chartered by the Lee family as Farmers State Bank of Bertha, Minnesota.

  • Perham State Bank moved operations to from Bertha, Minnesota, to Perham
  • Bank officers were as follows:
  1. Harry Lee of Long Prairie, President
  2. R.L. Christie of Bertha, Vice President
  3. D. R. Christie of Perham, Cashier
  4. John Helm of Perham, Assistant Cashier

  • Asset size of $4.3 million
  • Bank officers were as follows:
  1. D.R. Christie , President
  2. William E. Lee , Vice President

  • News Headline: "Perham State Bank Footings Hit All Time High of $8.5 Million in 1970."
  • Bank officers were as follows:
  1. William E. Lee , President
  2. William Hemmelgarn , Vice President
  3. John J. Cavanagh , Head Cashier

  • John J. Cavanagh , President of Perham State Bank .
  • Moved to 2nd Avenue in Perham

  • Asset size of $41 million

  • Name changed from Perham State Bank to United Community Bank
  • Acquired Frazee Branch of United Community Bank, formally known as First Integrity Bank

  • Charles L. Cavanagh , President of United Community Bank
  • William J. Cavanagh and Robert J. Cavanagh , Vice Presidents

  • Frazee branch moved into new building.

  • Assets topped $100 million
  • Remodeling of Perham's office complete

  • Launched the www.ucbankmn.com website


  • Market Branch opened.
  • Participated in the WDAY Honor Flight. The Honor Flight was organized to send as many World War II Veterans to Washington DC to see the memorial that was made in their honor. We at United Community Bank felt very strongly about this cause as we had many relatives who made sacrifices in this war and we felt it was our way to give back. With the help of the community we spearheaded a campaign that raised over $15,000, sending 20 veterans on the Honor Flight.
  • Round-up for Education: Money was raised by rounding up deposits, hosting a Jail & Bail, selling root beer floats at Turtle Days and picnic lunches and a throwing a final celebration of a hoe-down dance and supper. Every employee volunteered for the effort, with several students encouraging their friends to help also. $10,000 was donated to the 549 Foundation for the benefit of Perham-Dent Schools and $5,000 to the Frazee school system.

  • Assets topped $200 million
  • Launched UCBe Green including mobile banking capabilities

  • United Community Bank partnered with Lakes Radio to establish a fund to benefit the Otter Tail and Wadena county tornado victims. Both Lakes Radio and United Community Bank separately matched up to $5,000 in donations (making a $10,000.00 match!) The funds were used to directly assist with housing, food, and other immediate needs.
  • Launched our new Online Bill Pay service
  • UCB participated in Beautification of Perham! New banners and planters now line the main streets.
  • Frazee Branch's Wednesday Summer BBQs, cooperatively held at UCB in Frazee and served by the school's activity group students, raised $2,500 and was matched by the bank for a grand total of $5,000 donated to Frazee Fine Arts & Athletics.

  • January 14: A comprehensive remodel of the Frazee Branch began. The most invasive work reached its completion on March 31. A celebration of the remodel completion was held on May 5, 2011.
  • June 15: We've stood the TEST of TIME! Celebrated 100 years of community banking
  • Teach Children to Save Minnesota Banks of Honor. UCB is one of two Minnesota banks that have been participating in Teach Children to Save every year since April 17, 1997.
  • United Community Bank formed a team of community-minded individuals to jump in the lake in February supporting Kinship of the Perham Area. Over $30,000 was raised at the event.
  • April 23: United Community Bank acquired Farmers State Bank of Dent.
  • Assets topped $233 million
  • June 15: United Community Bank held a party in Dent to celebrate the merger with Farmers State Bank.
  • Launched Everfi's Financial Sense to local high schools.


  • June 24: Perham office moved to main location at 301 West Main St. and held  a community celebration 
  • November 12: launched new website


  • September: Recognized for 80 years of membership with Independent Community Banker's Association (ICBA)
  • September: Donated $5,000 to Heart of the Lakes Elementary (Perham) playground fund
  • October: Launched mobile deposit feature within our Mobiliti application
  • October: Named 2014 Lender of the Year by Minnesota Business Finance Corporation
  • December: Ranked 3 or 5 regional banks in mortgage production by Midwest Minnesota Community Development Corporation (MMCDC)
  • 30% of customers enrolled in e-statements
  • Assets topped 250 million

  • January: United Community Bank was recognized as a Community Champion by Minnesota Bankers Association in recognition of our contributions, service, and support of our local communities.
  • February: Wiley the Wallaby (KLN Family Brands, Perham, MN) honored us for our community involvement
  • February: 17 of our brave team members jumped in a frozen lake for Kinship's Freezin' for a Reason fundraiser (we bring the largest group each year). We are crazy about our communities!

Volunteer award winners 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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