BlastPoint's Banking Scorecard
United Farmers State Bank
Micro
Specialty: Agricultural
MN
FDIC cert 8821
Designations: ✓ Community bank
Adams, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
United Farmers State Bank shows strong momentum with 3 strengths and 7.6% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 0.92% above tier
- + Efficiency Ratio 24.99% below tier
- + Loan-to-Deposit Ratio 41.56% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$235.3M
+7.6% YoY
+1.1% QoQ
|
+$17.8M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
59% |
| Total Loans ? |
$210.0M
+8.8% YoY
+6.3% QoQ
|
+$70.8M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
76% |
| Total Deposits ? |
$180.9M
+6.2% YoY
+1.7% QoQ
|
-$2.8M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
55% |
| Return on Assets ? |
2.00%
+13.8% YoY
+3.1% QoQ
|
+0.92% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
Top 9% in tier |
| Net Interest Margin ? |
3.75%
+4.4% YoY
+1.0% QoQ
|
-0.11% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
47% |
| Efficiency Ratio ? |
42.73%
-10.2% YoY
-0.8% QoQ
|
-24.99% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
Top 3% in tier |
| Delinquency Rate ? |
0.14%
-7.8% QoQ
|
-0.50% |
0.64%
+24.4% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
67% |
| Loan-to-Deposit Ratio ? |
116.08%
+2.5% YoY
+4.5% QoQ
|
+41.56% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
Top 2% in tier |
| Non-Interest-Bearing Deposit Share ? |
20.94%
-3.8% YoY
+2.7% QoQ
|
-1.45% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
47% |
| Nonperforming Asset Ratio ? |
0.12%
-3.1% QoQ
|
-0.33% |
0.45%
+25.1% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
64% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.22%
+6.2% YoY
+68.6% QoQ
|
-0.34% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
27% |
Signature Analysis
Strengths (3)
Return on Assets
metric
Top 9%
in Micro
Why this stands out
Current:
2.00%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Top 3%
in Micro
Why this stands out
Current:
42.73%
(Tier avg: 67.73%, National avg: 65.09%)
Loan-to-Deposit Ratio
metric
Top 2%
in Micro
Why this stands out
Current:
116.08%
(Tier avg: 74.53%, National avg: 78.04%)
Concerns (0)
No concerns identified
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
98
98th pctile
Loan-to-Deposit Ratio
Current: 116.08% · Tier avg: 74.53%
97
97th pctile
Efficiency Ratio
Current: 42.73% · Tier avg: 67.73%
91
91th pctile
Return on Assets
Current: 2.00% · Tier avg: 1.08%
76
76th pctile
Total Loans
Current: $210.0M · Tier avg: $139.2M
67
67th pctile
Delinquency Rate
Current: 0.14% · Tier avg: 0.64%
64
64th pctile
Nonperforming Asset Ratio
Current: 0.12% · Tier avg: 0.45%
59
59th pctile
Total Assets
Current: $235.3M · Tier avg: $217.5M
55
55th pctile
Total Deposits
Current: $180.9M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
47
47th pctile
Net Interest Margin
Current: 3.75% · Tier avg: 3.85%
47
47th pctile
Non-Interest-Bearing Deposit Share
Current: 20.94% · Tier avg: 22.39%
27
27th pctile
Non-Interest Income / Assets
Current: 0.22% · Tier avg: 0.56%
Top Weaknesses
27
27th pctile
Non-Interest Income / Assets
Current: 0.22% · Tier avg: 0.56%
47
47th pctile
Non-Interest-Bearing Deposit Share
Current: 20.94% · Tier avg: 22.39%
47
47th pctile
Net Interest Margin
Current: 3.75% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
55
55th pctile
Total Deposits
Current: $180.9M · Tier avg: $183.7M
59
59th pctile
Total Assets
Current: $235.3M · Tier avg: $217.5M
64
64th pctile
Nonperforming Asset Ratio
Current: 0.12% · Tier avg: 0.45%
67
67th pctile
Delinquency Rate
Current: 0.14% · Tier avg: 0.64%
76
76th pctile
Total Loans
Current: $210.0M · Tier avg: $139.2M
91
91th pctile
Return on Assets
Current: 2.00% · Tier avg: 1.08%
97
97th pctile
Efficiency Ratio
Current: 42.73% · Tier avg: 67.73%
98
98th pctile
Loan-to-Deposit Ratio
Current: 116.08% · Tier avg: 74.53%