BlastPoint's Banking Scorecard
United Prairie Bank
Community
Specialty: Agricultural
MN
FDIC cert 10958
Mountain Lake, MN
1484
banks in Community tier nationally
45 in MN
View Community leaderboard (MN) →
United Prairie Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 28% in Community
- - Non-Interest-Bearing Deposit Share 13.45% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$954.2M
+4.2% YoY
+2.4% QoQ
|
-$437.3M |
$1.4B
+2.0% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
47% |
| Total Loans ? |
$786.7M
+3.4% YoY
+3.7% QoQ
|
-$188.8M |
$975.5M
+2.4% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
56% |
| Total Deposits ? |
$815.2M
+5.1% YoY
+2.8% QoQ
|
-$349.4M |
$1.2B
+1.7% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
48% |
| Return on Assets ? |
1.04%
+7.0% YoY
+19.2% QoQ
|
-0.13% |
1.16%
+17.2% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
42% |
| Net Interest Margin ? |
3.65%
+11.3% YoY
+3.6% QoQ
|
-0.01% |
3.66%
+9.1% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
50% |
| Efficiency Ratio ? |
65.93%
-3.1% YoY
-3.6% QoQ
|
+3.30% |
62.63%
-5.3% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
38% |
| Delinquency Rate ? |
0.14%
-67.2% YoY
-47.5% QoQ
|
-0.49% |
0.63%
+18.3% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
78% |
| Loan-to-Deposit Ratio ? |
96.50%
-1.6% YoY
+0.8% QoQ
|
+13.44% |
83.06%
+0.3% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
20% |
| Non-Interest-Bearing Deposit Share ? |
7.59%
-8.7% YoY
+5.4% QoQ
|
-13.45% |
21.05%
-0.9% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
Bottom 6% in tier |
| Nonperforming Asset Ratio ? |
0.11%
-67.8% YoY
-46.8% QoQ
|
-0.39% |
0.50%
+20.3% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
76% |
| Tier 1 Capital Ratio ? |
10.31%
-0.1% YoY
-0.4% QoQ
|
+0.07% |
10.24%
-0.6% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
32% |
| Non-Interest Income / Assets ? |
0.41%
-8.8% YoY
+27.9% QoQ
|
-0.33% |
0.74%
-1.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
36% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Liquidity Strain
risk
#146 of 513 · Bottom 28% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
96.50%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank declining
Non-Interest-Bearing Deposit Share
metric
Bottom 6%
in Community
Non-Interest-Bearing Deposit Share is in the bottom decile of tier peers. The deposit base leans more on interest-bearing funding than at peers - margin more exposed to rate hikes.
Why this stands out
Current:
7.59%
(Tier avg: 21.05%, National avg: 21.79%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
78
78th pctile
Delinquency Rate
Current: 0.14% · Tier avg: 0.63%
76
76th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.50%
56
56th pctile
Total Loans
Current: $786.7M · Tier avg: $975.5M
50
50th pctile
Net Interest Margin
Current: 3.65% · Tier avg: 3.66%
48
48th pctile
Total Deposits
Current: $815.2M · Tier avg: $1.2B
47
47th pctile
Total Assets
Current: $954.2M · Tier avg: $1.4B
42
42th pctile
Return on Assets
Current: 1.04% · Tier avg: 1.16%
38
38th pctile
Efficiency Ratio
Current: 65.93% · Tier avg: 62.63%
36
36th pctile
Non-Interest Income / Assets
Current: 0.41% · Tier avg: 0.74%
32
32th pctile
Tier 1 Capital Ratio
Current: 10.31% · Tier avg: 10.24%
20
20th pctile
Loan-to-Deposit Ratio
Current: 96.50% · Tier avg: 83.06%
6
6th pctile
Non-Interest-Bearing Deposit Share
Current: 7.59% · Tier avg: 21.05%
Top Weaknesses
6
6th pctile
Non-Interest-Bearing Deposit Share
Current: 7.59% · Tier avg: 21.05%
20
20th pctile
Loan-to-Deposit Ratio
Current: 96.50% · Tier avg: 83.06%
32
32th pctile
Tier 1 Capital Ratio
Current: 10.31% · Tier avg: 10.24%
36
36th pctile
Non-Interest Income / Assets
Current: 0.41% · Tier avg: 0.74%
38
38th pctile
Efficiency Ratio
Current: 65.93% · Tier avg: 62.63%
42
42th pctile
Return on Assets
Current: 1.04% · Tier avg: 1.16%
47
47th pctile
Total Assets
Current: $954.2M · Tier avg: $1.4B
48
48th pctile
Total Deposits
Current: $815.2M · Tier avg: $1.2B
50
50th pctile
Net Interest Margin
Current: 3.65% · Tier avg: 3.66%
56
56th pctile
Total Loans
Current: $786.7M · Tier avg: $975.5M
76
76th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.50%
78
78th pctile
Delinquency Rate
Current: 0.14% · Tier avg: 0.63%