Universal Merchant Bank (UMB)

Universal Merchant Bank (UMB)

@myumbbank

#UMB, a premier financial institution, delivering customer-focused banking services that are relevant, rewarding & innovative. Mon-Sun(24/7) ☎️ 0800100880

Ghana https://www.myumbbank.com/ Joined 2014-03-19 Date of Analysis: Dec 16, 2025

59,802

Followers

60

Following

5,751

Tweets

3.1

Avg Engagement

10

Listed

No

Verified

Account Overview

What This Report Covers

This comprehensive analysis examines @myumbbank's Twitter/X presence across multiple dimensions. We analyze tweet content, engagement patterns, audience demographics, posting habits, and network connections to provide actionable insights about this account's social media strategy and influence.

Account Classification

  • Account Size: Mid-Tier (10K+)
  • Account Age:2014-03-19
  • Verification:No
  • Location:Ghana

Data Summary

  • Tweets Analyzed:500
  • Avg Likes per Tweet:1.6
  • Avg Retweets per Tweet:1.5
  • Followers Analyzed:50,000

Engagement Analysis

Based on 500 tweets

The account has low average engagement, with only 9 likes and 2 retweets per tweet. This suggests a need for more interactive or compelling content to boost engagement.

1.6

Avg Likes/Tweet

1.5

Avg Retweets/Tweet

778

Total Likes

751

Total Retweets

Engagement Quality Analysis

Median-based metrics that resist fake virality and outliers.

1

Median Likes

0

Median Retweets

3

75th Percentile

633

Top Tweet

0.05

Engagement per 1K Followers

Normalized influence metric

Viral Spikes

Engagement Pattern

Few posts get most engagement

Posting Behavior

Content style and format preferences

Conversationalist

Highly engaged in discussions

43.8%

Original

56.0%

Replies

0.2%

Retweets

0.0%

Quotes

0.0%

Threads

3.2%

With Media

61.6%

With Links

46.6%

With #Tags

16.6%

With @Mentions

14.6%

With Emojis

206

Avg Length

Audience Reaction Profile

Conversational

Engages heavily in discussions

1.28

Reply/Original Ratio

0.0

Quote/RT Ratio

Posting Rhythm

Somewhat Bursty

Occasional posting spikes

80.6%

Weekday Posts

19.4%

Weekend Posts

Top Hashtags

#umbadvantage (101) #customer1stgh (85) #u1st (20) #umb (16) #umbat50 (14) #umbservingu (12) #smartfees (11) #umbsmartfees (11) #umbvoice (10) #anytimebanking (9)

Most Mentioned

@myumbbank (33) @siclifeghana (5) @compughanaltd (3) @umb_ceo (3) @globallinksnet (3) @ingamponfi (3) @kelkoranteng (2) @jboadi1 (2) @nastweneboah (2) @aikekwabena_1a (2)

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Content Strategy Analysis

Based on 500 tweets

Content Type Distribution

Content Breakdown

Original Tweets 219 (44%)
Replies 280 (56%)
Retweets 1 (0%)
Quote Tweets 0 (0%)

What This Reveals About Their Strategy

This account prioritizes community engagement over content broadcasting. With replies making up the majority of their activity, they invest significant time in conversations, building relationships with followers and participating in discussions. This approach typically leads to higher loyalty and more authentic connections.

The 1 retweets (0% of activity) show they also amplify content from others, which helps build relationships with other accounts and provides value to followers by surfacing relevant content.

Posting Patterns & Optimal Timing

Based on 500 tweets

Engagement by Hour (UTC)

Posting Frequency Over Time

Timing Insights

Understanding when an account posts and when their audience is most responsive provides valuable competitive intelligence. The charts above show when this account's content receives the most engagement, which often correlates with when their specific audience is most active on the platform.

Peak posting times vary significantly based on an account's audience demographics, timezone distribution, and content type. Accounts with global audiences often see engagement spread across multiple time windows, while those with regional focus may have more concentrated peaks.

Audience Demographics

Based on 50,000 followers

The primary audience likely includes students, university applicants, and individuals seeking banking services in Ghana. They may also target potential customers interested in digital banking solutions.

Average

Audience Quality

27.5%

Suspicion Index

29.1%

Low-Quality %

24

Median Reach

Audience Quality Signals

Lower percentages indicate healthier, more authentic followers.

34.6%

Empty Bio

43.7%

<10 Tweets

7.0%

Mass Following (>2K)

0.0%

New (<90 days)

55.9%

Low Ratio (<0.1)

0.0%

New (<180 days)

94.3%

No URL

23.5%

<3 Tweets

Free Mode Analysis: These quality metrics use heuristic signals (empty bios, low tweets, suspicious ratios). For ML-powered bot detection with 95%+ accuracy, use our dedicated tool.

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Follower Reach & Influence

This account's followers have their own audiences, creating potential for secondary amplification.

9,709,133

Total Potential Reach

24

Median Follower Reach

78

75th Percentile Reach

2.6%

>1K followers

0.1%

>10K followers

0.0%

>50K followers

0.0%

>100K followers

Creator vs Consumer Split

Classification based on tweet activity: Creators (>100 tweets), Consumers (10-100 tweets), Dormant (<10 tweets).

22.9%

Creators

11,445 accounts

33.5%

Consumers

16,729 accounts

43.7%

Dormant

21,826 accounts

15

Verified Followers

0.03% of total

5.7%

Professional Bios

founder, dev, analyst, etc.

0.09

Median Follow Ratio

follower/following

Follower Influence Distribution

How many followers do their followers have?

Follower Account Age

How long have followers been on Twitter?

Geographic Distribution

Top locations where followers are based (from those who share location data):

Accra, Ghana (4,505) Greater Accra, Ghana (2,477) Ghana (2,271) Kumasi, Ghana (2,059) Tema, Ghana (725) Accra (504) Sekondi Takoradi, Ghana (338) Koforidua, Ghana (247) Ashanti, Ghana (237) Tamale, Ghana (232)

30

Verified Followers

0.05% of total

2,327

Protected Accounts

3.88% of total

5 years

Avg Account Age

of their followers

Notable Followers (By Influence)

Top accounts following this user, sorted by their follower count:

Username Followers Profession Interests
@6BillionPeople 2,038,002 - -
@johndumelo 2,002,674 Actor actor, entrepreneur, philanthropist
@KinaataGh 1,529,725 Musician Music, EffiaKuma, TeamMooove
@Serwaa_Amihere 1,385,694 News Anchor News, Anchor, Producer
@mzveegh 749,327 Musician Music, Recording, Performing
@Y1079FM 715,868 Radio Host Music, Entertainment, Youth
@KafuiDey 534,575 TV Host Mental Health, Moderator, TV Host
@sammyforson 502,045 Radio Host Music, Entertainment, Success
@MTNGhana 445,435 Telecommunications updates, promos, competitions
@DjMicSmith 199,659 DJ Music, Fashion, Events

Top Keywords in Follower Bios

god (2,479) love (2,317) music (2,016) life (1,547) guy (1,007) sports (983) news (974) simple (965) ghana (845) business (748)

Top Hashtags in Follower Bios

#mufc (34) #ynwa (29) #god (27) #lfc (20) #chelsea (20) #football (18) #election2016 (18) #cfc (17) #manutd (17) #entrepreneur (15)

38,575

Followers With Bio

21,421

Followers Without Bio

64.3%

% With Bio

35.7%

% Without Bio

Why Audience Demographics Matter

Understanding who follows an account reveals the type of influence they hold. Accounts followed primarily by users with few followers indicate broad, mainstream appeal. Those with many high-follower followers have greater potential for content amplification through secondary sharing.

Account age distribution also tells a story: a follower base with many new accounts might indicate recent viral growth, while established followers suggest long-term, stable influence. Geographic data helps understand the cultural context and timezone spread of the audience.

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Viral Tweets

Top 5 by likes+RTs from 500 analyzed

682

Combined Engagement

38

Total Likes

644

Total Retweets

136

Avg per Tweet

Key Metrics for Viral Tweets

0%

With Media

40%

With Hashtags

40%

With @Mentions

40%

With Links

Topical Analysis:

Financial Services Education Institutional Milestones Digital Banking Community Engagement
Universal Merchant …
@myumbbank

RT @thenanaaba: What you’re doing to these pensioners is absolutely wicked. How do you take money of someone who is technically prevented…

2023-02-10
Retweets: 633 Likes: 0 Engagement: 633
Universal Merchant …
@myumbbank

Conveniently pay your Kumasi Technical University @KsTU_GH application fees, continuing student fees and all other fees* in minutes at any of our 35 branches. Call 0302 633 988 or ask Sika, your virtual assistant on WhatsApp - 0266 020 400 for more information. #UMBSmartFees ht

2023-01-05
Retweets: 4 Likes: 12 Engagement: 16
Universal Merchant …
@myumbbank

2023 is #50plus1 at UMB and it's all about #UMBSpeedApp and our other digital channels. Celebrating our internal UMB SpeedApp champions who came up as top users for 2022. Sean Bruce-Doe, Ernest Ofori, Bempong Justice Appiah, Nathan Assem and Cyril Sedzro https://t.co/AfqkzxhpMC

2023-02-13
Retweets: 2 Likes: 9 Engagement: 11
Universal Merchant …
@myumbbank

Today, we celebrate Ghana’s democracy and recognize the coming into force of the 1992 constitution. Happy Constitution Day to all! https://t.co/g55Ax055Gs

2023-01-07
Retweets: 2 Likes: 9 Engagement: 11
Universal Merchant …
@myumbbank

Our carols service this year had a truly creative twist. We played out our own talent show to celebrate the season with our very own UMB voice. Our teams around the bank displayed great creativity, innovation and S.P.E.E.D to deliver some truly awesome performances. A thread htt

2022-12-28
Retweets: 3 Likes: 8 Engagement: 11

Key Insights & Takeaways

The account frequently promotes convenient payment solutions for educational institutions, indicating a focus on student and academic audiences. They highlight institutional milestones and anniversary celebrations, which can help build brand loyalty and awareness. The use of hashtags and calls to action encourages user interaction and community involvement.

Strengths

  • + Established follower base of 59,802
  • + High community engagement through conversations
  • + Active presence with consistent posting

Opportunities

  • ~ Optimize posting times for peak engagement windows
  • ~ Analyze top-performing content for replicable patterns
  • ~ Leverage geographic concentration for targeted content
  • ~ Explore collaboration potential with followed accounts

Summary

This analysis of @myumbbank reveals an growing Twitter presence with 59,802 followers. The account demonstrates a conversation-first approach, averaging 3.1 engagements per tweet. Key strengths include consistent posting and an engaged audience, with opportunities to further optimize timing and content strategy based on the patterns identified in this report.

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About This Analysis: This analysis is based on a snapshot of followers, following, and recent tweets. It evaluates structure, quality, and behavior, not historical growth. Metrics like growth rate, momentum, churn, or spike analysis require time-series data which is not available from a single snapshot.

Data collected and analyzed by twtData | Analysis date: Dec 16, 2025