BanksFARMERS STATE BANK OF UNDERWOOD

FARMERS STATE BANK OF UNDERWOOD

UNDERWOOD, MNSmallEst. Dec. 1, 1915, midnightFDIC #10174RSSD #865852FDIC
Latest · 2025-12-31

FARMERS STATE BANK OF UNDERWOOD is an 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%. CET1 capital ratio: 11.43%, well above regulatory minimums. NPL ratio: 0.00% · Texas Ratio: 0.00%. Operates 4 domestic branches.

Assets
$114M
Deposits
$100M
Loans
$87M
Equity
$9M

Profitability

Return on Assets (ROA)1.89%
Return on Equity (ROE)24.79%
Net Interest Margin5.13%
Yield on Assets7.17%
Cost of Funds2.09%

Asset Quality

NPL Ratio0.00%
Net Charge-Off Ratio0.02%
Texas Ratio0.00%
NPA Ratio0.00%
ACL / Loans1.24%

Capital & Liquidity

CET1 Ratio11.43%
Tier 1 Capital11.43%
Total Capital Ratio12.68%
Leverage Ratio8.69%
Loan-to-Deposit86.76%

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