UNITED PRAIRIE BANK

MOUNTAIN LAKE, MN | Medium | Est. July 21, 1919, midnight | FDIC #10958 | RSSD #712059 | FDIC
Latest Report: 2025-12-31

UNITED PRAIRIE BANK is amn medium FDIC-insured commercial bank headquartered in MOUNTAIN LAKE, MN, established in July 21, 1919, midnight. As of 2025-12-31, the bank reported total assets of $954M and total deposits of $815M. Profitability stands at 1.53% ROA and 15.55% ROE, with a net interest margin of 4.18%. The bank's CET1 capital ratio is 10.31%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.13% and a Texas Ratio of 1.05%. FDIC Certificate #10958.

Assets

$954M

Deposits

$815M

Loans

$794M

Equity

$95M

Profitability

Return on Assets (ROA) 1.53%
Return on Equity (ROE) 15.55%
Net Interest Margin (NIM) 4.18%
Yield on Assets 6.37%
Cost of Funds 2.24%

Asset Quality

NPL Ratio 0.13%
Net Charge-Off Ratio 0.29%
Texas Ratio 1.05%
NPA Ratio 0.11%
ACL / Loans 0.88%

Capital & Liquidity

CET1 Ratio 10.31%
Tier 1 Capital 10.31%
Total Capital Ratio 11.17%
Leverage Ratio 9.62%
Loan-to-Deposit 97.36%

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