United Prairie Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Asset quality shifted last quarter, NPLs rose to 1.43% from 0.85% in the prior period. United Prairie Bank is a locally rooted FDIC-insured community bank based in Mountain Lake, MN. Returns are notably above industry norms: 1.52% ROA, 15.45% ROE, and 4.18% NIM. United Prairie's Q2 2026 balance sheet shows $939M in assets funded primarily by $788M in customer deposits. Under the simplified Community Bank Leverage Ratio framework, leverage of 9.68% exceeds the CBLR threshold. Credit metrics are in line with industry norms, 1.43% NPL ratio. It operates 10 branches, primarily in Minnesota.
As of June 30, 2026, United Prairie Bank reported a Tier 1 leverage ratio of 9.68%, a return on assets of 1.52%, a nonperforming-loan ratio of 1.43%, a Texas ratio of 12.01%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 1141 3rd Ave, Mountain Lake, MN 56159
- County
- Cottonwood
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- July 21, 1919
- Offices
- 10 domestic
- Employees (FTE)
- 122
- Domestic deposits
- $788.4M
- Allowance for credit losses
- $7.5M
- Net charge-offs (YTD)
- $351K
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10958
- Fed RSSD
- 712059
- Website
- www.unitedprairiebank.com →
- Parent Holding Company
- FARMERS STATE CORPORATION (RSSD 1123885)
Profitability
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full United Prairie Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock United Prairie Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
United Prairie Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.68% | 1.52% | 1.43% | 12.01% | 4.18% |
| Q1 2026 | 9.34% | 1.36% | 0.85% | 7.38% | 4.00% |
| Q4 2025 | 9.62% | 1.53% | 0.92% | 7.82% | 4.07% |
| Q3 2025 | 9.37% | 0.76% | 0.26% | 2.20% | 3.67% |
| Q2 2025 | 9.33% | 1.07% | 0.37% | 3.39% | 3.59% |
| Q1 2025 | 8.97% | 0.76% | 0.34% | 3.15% | 3.30% |
| Q4 2024 | 9.45% | 1.04% | 0.41% | 3.72% | 3.24% |
| Q3 2024 | 9.29% | 0.81% | 0.33% | 2.93% | 3.21% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 10 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Worthington Branch | Worthington , MN | 56187 | $153.0M |
| United Prairie Bank (main office) | Mountain Lake , MN | 56159 | $150.2M |
| United Prairie Bank - Owatonna Branch | Owatonna , MN | 55060 | $138.4M |
| United Prairie Bank - Mankato Office Branch | Mankato , MN | 56001 | $106.4M |
| United Prairie Bank New Ulm Branch | New Ulm , MN | 56073 | $80.5M |
| United Prairie Bank - Spicer Branch | Spicer , MN | 56288 | $69.9M |
| United Prairie Bank Madison Branch | Madison , MN | 56256 | $46.7M |
| Waseca Branch | Waseca , MN | 56093 | $43.2M |
| Windom Branch | Windom , MN | 56101 | $0 |
| Wilmont Branch | Wilmont , MN | 56185 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| June 10, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 10, 2006 | Structure Change | Acquired United Prairie Bank-Slayton Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 6, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 6, 2006 | Structure Change | Acquired United Prairie Bank - Owatonna Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 30, 1987 | Structure Change | Acquired The First National Bank of Wilmont Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| May 29, 1987 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 2, 1985 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 2, 1985 | Structure Change | Acquired Farmers State Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 8 events.
Regulatory record
What the public regulatory sources show for United Prairie Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in MN, rank 34 of 279 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 21 applications, 21 loans originated, $6.0M originated, across 3 states
- Period: Calendar year 2023. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
Add this badge to your website
Free to use. The badge always shows United Prairie Bank’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare United Prairie Bank with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
Frequently asked about United Prairie Bank
What are United Prairie Bank's total assets?
As of the Q2 2026 filing, United Prairie Bank reported total assets of $939.3 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is United Prairie Bank headquartered?
United Prairie Bank is headquartered in Mountain Lake, MN, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was United Prairie Bank founded?
United Prairie Bank was established in 1919, per the FDIC institution directory.
Is United Prairie Bank FDIC-insured?
Yes. United Prairie Bank is an FDIC-insured commercial bank (FDIC Certificate #10958). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates United Prairie Bank?
United Prairie Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does United Prairie Bank operate?
United Prairie Bank operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is United Prairie Bank's Texas Ratio?
United Prairie Bank's Texas Ratio is 12.01% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
Go deeper on United Prairie Bank.
Unlock the full terminal: 26 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock United Prairie Bank, freeFree account