UNITED FARMERS STATE BANK

ADAMS, MN | Small | Est. Jan. 1, 1914, midnight | FDIC #8821 | RSSD #328656 | FDIC
Latest Report: 2025-12-31

UNITED FARMERS STATE BANK is asn small FDIC-insured commercial bank headquartered in ADAMS, MN, established in Jan. 1, 1914, midnight. As of 2025-12-31, the bank reported total assets of $235M and total deposits of $181M. Profitability stands at 2.16% ROA and 23.29% ROE, with a net interest margin of 3.95%. The bank's CET1 capital ratio is 9.43%. Asset quality metrics show a non-performing loan ratio of 0.14% and a Texas Ratio of 1.18%. FDIC Certificate #8821.

Assets

$235M

Deposits

$181M

Loans

$212M

Equity

$22M

Profitability

Return on Assets (ROA) 2.16%
Return on Equity (ROE) 23.29%
Net Interest Margin (NIM) 3.95%
Yield on Assets 6.28%
Cost of Funds 2.38%

Asset Quality

NPL Ratio 0.14%
Net Charge-Off Ratio 0.10%
Texas Ratio 1.18%
NPA Ratio 0.12%
ACL / Loans 1.16%

Capital & Liquidity

CET1 Ratio 9.43%
Tier 1 Capital 9.43%
Total Capital Ratio 9.90%
Leverage Ratio 10.06%
Loan-to-Deposit 117.45%

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