FARMERS STATE BANK OF UNDERWOOD

UNDERWOOD, MN | Small | Est. Dec. 1, 1915, midnight | FDIC #10174 | RSSD #865852 | FDIC
Latest Report: 2025-12-31

FARMERS STATE BANK OF UNDERWOOD is asn small FDIC-insured commercial bank headquartered in UNDERWOOD, MN, established in Dec. 1, 1915, midnight. As of 2025-12-31, the bank reported total assets of $114M and total deposits of $100M. Profitability stands at 1.89% ROA and 24.79% ROE, with a net interest margin of 5.13%. The bank's CET1 capital ratio is 11.43%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #10174.

Assets

$114M

Deposits

$100M

Loans

$87M

Equity

$9M

Profitability

Return on Assets (ROA) 1.89%
Return on Equity (ROE) 24.79%
Net Interest Margin (NIM) 5.13%
Yield on Assets 7.17%
Cost of Funds 2.62%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.02%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.24%

Capital & Liquidity

CET1 Ratio 11.43%
Tier 1 Capital 11.43%
Total Capital Ratio 12.68%
Leverage Ratio 8.69%
Loan-to-Deposit 86.76%

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