ULTIMA BANK MINNESOTA

WINGER, MN | Small | Est. Jan. 1, 1904, midnight | FDIC #8867 | RSSD #225157 | FDIC
Latest Report: 2025-12-31

ULTIMA BANK MINNESOTA is asn small FDIC-insured commercial bank headquartered in WINGER, MN, established in Jan. 1, 1904, midnight. As of 2025-12-31, the bank reported total assets of $317M and total deposits of $278M. Profitability stands at 1.70% ROA and 15.32% ROE, with a net interest margin of 5.29%. The bank's CET1 capital ratio is 11.02%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.21% and a Texas Ratio of 1.59%. FDIC Certificate #8867.

Assets

$317M

Deposits

$278M

Loans

$292M

Equity

$36M

Profitability

Return on Assets (ROA) 1.70%
Return on Equity (ROE) 15.32%
Net Interest Margin (NIM) 5.29%
Yield on Assets 7.98%
Cost of Funds 2.81%

Asset Quality

NPL Ratio 0.21%
Net Charge-Off Ratio -0.01%
Texas Ratio 1.59%
NPA Ratio 0.19%
ACL / Loans 0.91%

Capital & Liquidity

CET1 Ratio 11.02%
Tier 1 Capital 11.02%
Total Capital Ratio 11.57%
Leverage Ratio 11.14%
Loan-to-Deposit 105.22%

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