BlastPoint's Banking Scorecard
Ultima Bank Minnesota
Micro
Specialty: Agricultural
MN
FDIC cert 8867
Designations: ✓ Community bank
Winger, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
Ultima Bank Minnesota shows strong momentum with 3 strengths and 8.9% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.06% above tier
- + Net Interest Margin 1.37% above tier
- + Loan-to-Deposit Ratio 29.73% 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 ? |
$317.2M
+8.9% YoY
-0.4% QoQ
|
+$99.7M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
75% |
| Total Loans ? |
$289.5M
+6.7% YoY
-2.7% QoQ
|
+$150.3M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
Top 9% in tier |
| Total Deposits ? |
$277.6M
+10.1% YoY
+1.4% QoQ
|
+$94.0M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
77% |
| Return on Assets ? |
2.14%
-1.9% YoY
-6.4% QoQ
|
+1.06% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
Top 7% in tier |
| Net Interest Margin ? |
5.23%
+0.9% YoY
-0.6% QoQ
|
+1.37% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
Top 6% in tier |
| Efficiency Ratio ? |
52.76%
-0.5% YoY
+6.2% QoQ
|
-14.97% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
Top 15% in tier |
| Delinquency Rate ? |
0.21%
+31.7% YoY
-20.2% QoQ
|
-0.43% |
0.64%
+24.4% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
61% |
| Loan-to-Deposit Ratio ? |
104.26%
-3.1% YoY
-4.1% QoQ
|
+29.73% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
Top 6% in tier |
| Non-Interest-Bearing Deposit Share ? |
18.27%
-13.0% YoY
-0.2% QoQ
|
-4.12% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
35% |
| Nonperforming Asset Ratio ? |
0.19%
+29.0% YoY
-22.1% QoQ
|
-0.26% |
0.45%
+25.1% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
57% |
| 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 ? |
0.28%
-7.7% YoY
+41.0% QoQ
|
-0.29% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
36% |
Signature Analysis
Strengths (3)
Return on Assets
metric
Top 7%
in Micro
Why this stands out
Current:
2.14%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Top 6%
in Micro
Why this stands out
Current:
5.23%
(Tier avg: 3.85%, National avg: 3.75%)
Loan-to-Deposit Ratio
metric
Top 6%
in Micro
Why this stands out
Current:
104.26%
(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
94
94th pctile
Loan-to-Deposit Ratio
Current: 104.26% · Tier avg: 74.53%
94
94th pctile
Net Interest Margin
Current: 5.23% · Tier avg: 3.85%
93
93th pctile
Return on Assets
Current: 2.14% · Tier avg: 1.08%
91
91th pctile
Total Loans
Current: $289.5M · Tier avg: $139.2M
85
85th pctile
Efficiency Ratio
Current: 52.76% · Tier avg: 67.73%
77
77th pctile
Total Deposits
Current: $277.6M · Tier avg: $183.7M
75
75th pctile
Total Assets
Current: $317.2M · Tier avg: $217.5M
61
61th pctile
Delinquency Rate
Current: 0.21% · Tier avg: 0.64%
57
57th pctile
Nonperforming Asset Ratio
Current: 0.19% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
36
36th pctile
Non-Interest Income / Assets
Current: 0.28% · Tier avg: 0.56%
35
35th pctile
Non-Interest-Bearing Deposit Share
Current: 18.27% · Tier avg: 22.39%
Top Weaknesses
35
35th pctile
Non-Interest-Bearing Deposit Share
Current: 18.27% · Tier avg: 22.39%
36
36th pctile
Non-Interest Income / Assets
Current: 0.28% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
57
57th pctile
Nonperforming Asset Ratio
Current: 0.19% · Tier avg: 0.45%
61
61th pctile
Delinquency Rate
Current: 0.21% · Tier avg: 0.64%
75
75th pctile
Total Assets
Current: $317.2M · Tier avg: $217.5M
77
77th pctile
Total Deposits
Current: $277.6M · Tier avg: $183.7M
85
85th pctile
Efficiency Ratio
Current: 52.76% · Tier avg: 67.73%
91
91th pctile
Total Loans
Current: $289.5M · Tier avg: $139.2M
93
93th pctile
Return on Assets
Current: 2.14% · Tier avg: 1.08%
94
94th pctile
Net Interest Margin
Current: 5.23% · Tier avg: 3.85%
94
94th pctile
Loan-to-Deposit Ratio
Current: 104.26% · Tier avg: 74.53%