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United Prairie Bank

$100M-$1B Specialty: Agricultural MN FDIC cert 10958

Mountain Lake, MN

10 branches across MN

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 151 in MN.
  • Deposits +0.5% year over year ($788.4M on the books).
  • Delinquency rate 0.66%.
  • Return on assets 1.45%.
  • Efficiency ratio 58.25% vs a 64.48% peer average.
  • Loan-to-deposit ratio 99.71% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 151 in MN
View $100M-$1B leaderboard (MN) →

United Prairie Bank has 4 strengths but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + ROA 0.12% above tier average
  • + Net Interest Margin 0.13% above tier average
  • + Efficiency Ratio 6.23% below tier average
  • + Delinquency Rate 0.26% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 14.5% in tier
  • - Credit Risk Growth: Bottom 16.8% in tier
  • - Liquidity Strain: Bottom 37.0% in tier
  • - Credit Quality Pressure: Bottom 47.1% in tier
  • - Non-Interest-Bearing Deposit Share 13.47% below tier average
Get updates when United Prairie Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Total Assets ? $939.3M
+1.7% YoY -3.6% QoQ
+$552.7M $386.6M
+1.2% YoY
$524.5M
+5.8% YoY
$6.3B
+7.7% YoY
Top 2.2% in tier
Total Loans ? $786.1M
+2.4% YoY +0.8% QoQ
+$527.7M $258.3M
+1.7% YoY
$300.2M
+7.3% YoY
$3.2B
+9.4% YoY
Top 0.5% in tier
Total Deposits ? $788.4M
+0.5% YoY -6.0% QoQ
+$461.7M $326.7M
+0.7% YoY
$452.1M
+5.5% YoY
$4.9B
+7.3% YoY
Top 2.7% in tier
Return on Assets ? 1.45%
+56.5% YoY +6.7% QoQ
+0.12% 1.32%
+10.8% YoY
1.26%
+17.2% YoY
1.30%
+12.1% YoY
62%
Net Interest Margin ? 4.11%
+19.1% YoY +3.0% QoQ
+0.13% 3.99%
+5.0% YoY
4.00%
+6.8% YoY
3.95%
+4.9% YoY
60%
Efficiency Ratio ? 58.25%
-14.7% YoY -5.9% QoQ
-6.23% 64.48%
-3.2% YoY
63.00%
-3.5% YoY
70.05%
+2.5% YoY
62%
Delinquency Rate ? 0.66%
+76.0% YoY +856.3% QoQ
-0.26% 0.92%
+15.7% YoY
1.01%
+19.3% YoY
0.98%
+16.3% YoY
39%
Loan-to-Deposit Ratio ? 99.71%
+1.8% YoY +7.2% QoQ
+21.76% 77.95%
+1.0% YoY
78.29%
-0.6% YoY
79.03%
+2.3% YoY
Bottom 10.6% in tier
Non-Interest-Bearing Deposit Share ? 8.56%
+8.7% YoY +12.5% QoQ
-13.47% 22.03%
-0.6% YoY
21.79%
+0.9% YoY
21.98%
-0.6% YoY
Bottom 7.9% in tier
Nonperforming Asset Ratio ? 0.55%
+74.2% YoY +900.3% QoQ
-0.11% 0.67%
+16.4% YoY
0.76%
+16.9% YoY
0.69%
+15.8% YoY
37%
Tier 1 Capital Ratio ? 9.68%
-5.0% YoY -5.7% QoQ
-6.22% 15.91%
+1.4% YoY
15.35%
-0.4% YoY
17.09%
+0.8% YoY
Bottom 7.0% in tier
Non-Interest Income / Assets ? 0.20%
-9.8% YoY +114.8% QoQ
-0.37% 0.57%
+7.6% YoY
0.31%
+3.9% YoY
0.66%
+5.2% YoY
48%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Noninterest-Bearing 8.6%
+0.7pp YoY
+0.9pp QoQ
 -13.6pp 22.1% 21.9% 22.2% 7%
Brokered Deposits 1.0%
-6.4pp YoY
-3.5pp QoQ
 -6.9pp 7.9% 8.3% 8.5% 18%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
C&I 13.1%
-2.1pp YoY
-0.5pp QoQ
 +1.6pp 11.6% 14.6% 12.5% 69%
CRE 39.2%
+3.3pp YoY
+2.1pp QoQ
 -0.4pp 39.5% 36.5% 41.4% 51%
1-4 Family 4.5%
-0.7pp YoY
-0.1pp QoQ
 -28.2pp 32.6% 29.4% 31.3% 4%
Consumer 0.3%
0.0pp YoY
0.0pp QoQ
 -3.8pp 4.1% 4.5% 5.0% 11%

Capital

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 16.5% 19.7% n/a
Leverage Ratio 9.7%
+0.4pp YoY
+0.3pp QoQ
 -2.5pp 12.2% 11.0% 12.6% 25%
Total Capital Ratio n/a n/a 19.9% 17.6% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Full-Time Employees 122
-5 (-3.9%) YoY
+1 (+0.8%) QoQ
 +63 58 55 482 93%
Assets per Employee ($) $7.7M
+5.9% YoY
-4.4% QoQ
 +$181K $7.5M $8.6M $8.8M 64%
Branch Count 10
0 YoY
0 QoQ
 +5 4 4 18 90%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.4% 0.4% 0%
Nonaccrual 0.7%
+0.3pp YoY
+0.6pp QoQ
 -0.3pp 0.9% 1.0% 1.0% 60%
Allowance Coverage 1.43x
-48.9% YoY
-89.5% QoQ
 -22.72x 24.15x 20.41x 20.23x 38%
Net Charge-off Rate (YTD) 0.1%
0.0pp YoY
+0.1pp QoQ
 -0.1pp 0.1% 0.2% 0.2% 75%

Profitability

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
ROE 14.6%
+4.8pp YoY
+0.7pp QoQ
 +2.4pp 12.2% 13.1% 11.6% 66%
Cost of Funds (YTD) 1.9%
-0.3pp YoY
0.0pp QoQ
 +0.2pp 1.7% 1.7% 1.7% 67%
Net Income ($, YTD) $6.9M
+62.3% YoY
— QoQ
 +$4.4M $2.6M $4.5M $40.4M 95%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (4)

Capital Thin

risk
#97 of 661 • Bottom 14.5% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 9.68%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Credit Risk Growth

risk
#158 of 936 • Bottom 16.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ

Liquidity Strain

risk
#257 of 691 • Bottom 37.0% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 99.71%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank declining

Credit Quality Pressure

risk
#593 of 1256 • Bottom 47.1% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.66%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

13
Total Loans
size
Value: $786.09M
Peer Median: $258.35M
#13 of 2643 Top 0.5% in $100M-$1B
60
Total Assets
size
Value: $939.27M
Peer Median: $386.57M
#60 of 2643 Top 2.2% in $100M-$1B
73
Total Deposits
size
Value: $788.40M
Peer Median: $326.73M
#73 of 2643 Top 2.7% in $100M-$1B

Top Weaknesses (3 metrics)

2460
Tier 1 Capital Ratio
capital
Value: 9.68%
Peer Median: 15.91%
#2460 of 2643 Bottom 7.0% in $100M-$1B
2435
Non-Interest-Bearing Deposit Share
funding
Value: 8.56%
Peer Median: 22.03%
#2435 of 2643 Bottom 7.9% in $100M-$1B
2365
Loan-to-Deposit Ratio
liquidity
Value: 99.71%
Peer Median: 77.95%
#2365 of 2643 Bottom 10.6% in $100M-$1B
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