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United Farmers State Bank
Adams, MN · FDIC Certificate #8821 · Chartered 01/0
Total assets
$233.76M
Total deposits
$181.56M
Total equity
$22.84M
Net loans
$203.29M
Branches (offices)
3
Net income (YTD)
$2.49M
Rank: #2,791 of 4,213 U.S. banks by assets · #105 of 221 in Minnesota. Assets changed 3.9% and deposits 6.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.12% |
| Return on equity | 22.19% |
| Net interest margin (YTD) | 3.97% |
| Equity to assets | 9.77% |
| Tier 1 leverage ratio | 10.33% |
| Uninsured deposits (share of deposits) | 13.9% |
| Noncurrent loans (share of loans) | 0.33% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 112.0% |
| Real estate loans (share of loans) | 59.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $120.19M | 59.1% | |
| Commercial & industrial | $18.16M | 8.9% | |
| Consumer / individual | $1.93M | 1.0% | |
| Construction & development | $937.00K | 0.5% | |
| Agricultural | $64.08M | 31.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $190.34M | $171.81M | $1.44M | $18.01M |
| Jun 2023 | $190.59M | $168.05M | $1.64M | $18.55M |
| Jun 2024 | $205.78M | $165.14M | $1.74M | $19.26M |
| Jun 2025 | $224.90M | $171.21M | $2.13M | $20.28M |
| Jun 2026 | $233.76M | $181.56M | $2.49M | $22.84M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Minnesota | $181.56M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $181.56M.
Similar-sized banks
Anna-Jonesboro National Bank ($234.19M) · Great North Bank ($233.36M)
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.
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