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United Prairie Bank
Mountain Lake, MN · FDIC Certificate #10958 · Chartered 07/2
Total assets
$939.27M
Total deposits
$788.40M
Total equity
$96.03M
Net loans
$786.09M
Branches (offices)
10
Net income (YTD)
$6.91M
Rank: #1,103 of 4,213 U.S. banks by assets · #20 of 221 in Minnesota. Assets changed 1.7% and deposits 0.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.45% |
| Return on equity | 14.62% |
| Net interest margin (YTD) | 4.11% |
| Equity to assets | 10.22% |
| Tier 1 leverage ratio | 9.68% |
| Uninsured deposits (share of deposits) | 21.1% |
| Noncurrent loans (share of loans) | 0.66% |
| Net charge-offs (share of loans) | 0.09% |
| Loans to deposits | 99.7% |
| Real estate loans (share of loans) | 68.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $540.87M | 68.8% | |
| Commercial & industrial | $103.19M | 13.1% | |
| Consumer / individual | $2.25M | 0.3% | |
| Construction & development | $35.44M | 4.5% | |
| Agricultural | $121.21M | 15.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $789.14M | $673.24M | $4.74M | $73.67M |
| Jun 2023 | $830.45M | $716.76M | $6.37M | $78.05M |
| Jun 2024 | $900.21M | $759.08M | $4.44M | $83.42M |
| Jun 2025 | $923.68M | $784.23M | $4.26M | $87.39M |
| Jun 2026 | $939.27M | $788.40M | $6.91M | $96.03M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Minnesota | $788.40M | 10 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $788.40M.
Similar-sized banks
Bank Of Botetourt ($939.41M) · Security Bank ($938.97M)
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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