BlastPoint's Banking Scorecard

United Prairie Bank

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

Mountain Lake, MN

10 branches across MN

2664 banks in the $100M-$1B peer group nationally 152 in MN

United Prairie Bank has 4 strengths but faces 3 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 0.09% above tier average
+ Net Interest Margin 0.06% above tier average
+ Efficiency Ratio 3.41% below tier average
+ Delinquency Rate 0.82% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 23.8% in tier
- Capital Thin: Bottom 46.5% in tier
- Non-Interest-Bearing Deposit Share 14.41% below tier average

Get updates when United Prairie Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Total Assets ?	$974.6M +5.4% YoY +2.1% QoQ	+$588.5M	$386.1M +0.5% YoY	$512.9M +5.5% YoY	$6.2B +9.1% YoY	Top 0.7% in tier
Total Loans ?	$779.8M +3.8% YoY -0.9% QoQ	+$524.1M	$255.7M +1.1% YoY	$288.3M +6.9% YoY	$3.2B +10.8% YoY	Top 0.7% in tier
Total Deposits ?	$838.3M +5.4% YoY +2.8% QoQ	+$510.3M	$328.0M +0.1% YoY	$443.8M +5.0% YoY	$4.8B +8.2% YoY	Top 0.9% in tier
Return on Assets ?	1.36% +75.0% YoY +30.7% QoQ	+0.09%	1.27% +12.9% YoY	1.13% +10.7% YoY	1.23% +13.4% YoY	59%
Net Interest Margin ?	3.99% +19.6% YoY +9.4% QoQ	+0.06%	3.93% +6.0% YoY	3.93% +7.5% YoY	3.89% +5.7% YoY	57%
Efficiency Ratio ?	61.88% -16.1% YoY -6.1% QoQ	-3.41%	65.29% -4.5% YoY	64.77% -3.3% YoY	66.95% -4.1% YoY	54%
Delinquency Rate ?	0.07% -79.9% YoY -49.1% QoQ	-0.82%	0.89% +18.8% YoY	1.04% +28.9% YoY	0.95% +18.8% YoY	77%
Loan-to-Deposit Ratio ?	93.02% -1.5% YoY -3.6% QoQ	+16.38%	76.64% +0.8% YoY	76.69% -0.4% YoY	76.70% +0.9% YoY	18%
Non-Interest-Bearing Deposit Share ?	7.61% -10.7% YoY +0.2% QoQ	-14.41%	22.02% -1.0% YoY	21.87% -0.9% YoY	22.01% -1.2% YoY	Bottom 6.5% in tier
Nonperforming Asset Ratio ?	0.06% -80.6% YoY -50.6% QoQ	-0.58%	0.64% +19.7% YoY	0.77% +27.1% YoY	0.67% +19.3% YoY	77%
Tier 1 Capital Ratio ?	10.27% +2.0% YoY -0.4% QoQ	-5.56%	15.83% +1.5% YoY	15.37% +0.7% YoY	17.06% +0.8% YoY	Bottom 13.3% in tier
Non-Interest Income / Assets ?	0.09% -5.3% YoY -77.6% QoQ	-0.19%	0.28% +9.3% YoY	0.16% +5.0% YoY	0.32% +4.1% YoY	46%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 (2)

Liquidity Strain

risk

#154 of 643 • Bottom 23.8% 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: 93.02%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

Capital Thin

risk

#311 of 666 • Bottom 46.5% 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: 10.27%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (5 metrics)

Total Loans

size

Value: $779.77M

Peer Median: $255.72M

#19 of 2664 Top 0.7% in $100M-$1B

Total Assets

size

Value: $974.59M

Peer Median: $386.08M

#20 of 2664 Top 0.7% in $100M-$1B

Total Deposits

size

Value: $838.30M

Peer Median: $327.97M

#26 of 2664 Top 0.9% in $100M-$1B

607

Delinquency Rate

credit_quality

Value: 0.07%

Peer Median: 0.89%

#607 of 2654 Top 22.8% in $100M-$1B

614

Nonperforming Asset Ratio

credit_quality

Value: 0.06%

Peer Median: 0.64%

#614 of 2664 Top 23.0% in $100M-$1B

Top Weaknesses (3 metrics)

2492

Non-Interest-Bearing Deposit Share

funding

Value: 7.61%

Peer Median: 22.02%

#2492 of 2664 Bottom 6.5% in $100M-$1B

2312

Tier 1 Capital Ratio

capital

Value: 10.27%

Peer Median: 15.83%

#2312 of 2664 Bottom 13.3% in $100M-$1B

2177

Loan-to-Deposit Ratio

liquidity

Value: 93.02%

Peer Median: 76.64%

#2177 of 2664 Bottom 18.3% in $100M-$1B