Advertisement
Ultima Bank Minnesota
Winger, MN · FDIC Certificate #8867 · Chartered 01/0
Total assets
$333.90M
Total deposits
$277.29M
Total equity
$35.46M
Net loans
$311.25M
Branches (offices)
6
Net income (YTD)
$2.84M
Rank: #2,317 of 4,213 U.S. banks by assets · #79 of 221 in Minnesota. Assets changed 7.5% and deposits 6.4% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.76% |
| Return on equity | 16.15% |
| Net interest margin (YTD) | 5.09% |
| Equity to assets | 10.62% |
| Tier 1 leverage ratio | 10.83% |
| Uninsured deposits (share of deposits) | 10.7% |
| Noncurrent loans (share of loans) | 0.62% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 112.2% |
| Real estate loans (share of loans) | 55.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $171.21M | 55.0% | |
| Commercial & industrial | $42.14M | 13.5% | |
| Consumer / individual | $4.89M | 1.6% | |
| Construction & development | $9.30M | 3.0% | |
| Agricultural | $95.55M | 30.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $212.78M | $183.23M | $1.88M | $23.32M |
| Jun 2023 | $249.24M | $208.04M | $2.63M | $25.73M |
| Jun 2024 | $291.32M | $242.99M | $3.19M | $31.13M |
| Jun 2025 | $310.61M | $260.55M | $3.48M | $33.62M |
| Jun 2026 | $333.90M | $277.29M | $2.84M | $35.46M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Minnesota | $277.29M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $277.29M.
Similar-sized banks
Bank Of Commerce ($333.98M) · Community State Bank Of Missouri ($333.86M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
Advertisement