BlastPoint

BlastPoint's Banking Scorecard

United Farmers State Bank

$100M-$1B Specialty: Agricultural MN FDIC cert 8821

Adams, MN

3 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 +6.0% year over year ($181.6M on the books).
  • Delinquency rate 0.33%.
  • Return on assets 2.12%.
  • Efficiency ratio 42.52% vs a 64.48% peer average.
  • Loan-to-deposit ratio 111.97% 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 Farmers State Bank has 3 strengths but faces 4 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

  • + Profitability Leader: Top 43.0% in tier
  • + Efficiency Ratio 21.96% below tier average
  • + Delinquency Rate 0.58% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 24.7% in tier
  • - Capital Thin: Bottom 39.8% in tier
  • - Credit Quality Pressure: Bottom 43.0% in tier
  • - Loan-to-Deposit Ratio 34.02% above tier average
Get updates when United Farmers State 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 ? $233.8M
+3.9% YoY +0.1% QoQ
-$152.8M $386.6M
+1.2% YoY
$524.5M
+5.8% YoY
$6.3B
+7.7% YoY
34%
Total Loans ? $203.3M
+3.3% YoY -3.2% QoQ
-$55.1M $258.3M
+1.7% YoY
$300.2M
+7.3% YoY
$3.2B
+9.4% YoY
49%
Total Deposits ? $181.6M
+6.0% YoY -0.9% QoQ
-$145.2M $326.7M
+0.7% YoY
$452.1M
+5.5% YoY
$4.9B
+7.3% YoY
30%
Return on Assets ? 2.12%
+10.1% YoY -5.5% QoQ
+0.80% 1.32%
+10.8% YoY
1.26%
+17.2% YoY
1.30%
+12.1% YoY
Top 10.5% in tier
Net Interest Margin ? 3.97%
+7.8% YoY +0.4% QoQ
-0.02% 3.99%
+5.0% YoY
4.00%
+6.8% YoY
3.95%
+4.9% YoY
51%
Efficiency Ratio ? 42.52%
-0.9% YoY +8.9% QoQ
-21.96% 64.48%
-3.2% YoY
63.00%
-3.5% YoY
70.05%
+2.5% YoY
Top 6.1% in tier
Delinquency Rate ? 0.33%
+22.1% QoQ
-0.58% 0.92%
+15.7% YoY
1.01%
+19.3% YoY
0.98%
+16.3% YoY
55%
Loan-to-Deposit Ratio ? 111.97%
-2.6% YoY -2.3% QoQ
+34.02% 77.95%
+1.0% YoY
78.29%
-0.6% YoY
79.03%
+2.3% YoY
Bottom 2.3% in tier
Non-Interest-Bearing Deposit Share ? 19.64%
+1.7% YoY -1.3% QoQ
-2.39% 22.03%
-0.6% YoY
21.79%
+0.9% YoY
21.98%
-0.6% YoY
44%
Nonperforming Asset Ratio ? 0.40%
+61.0% QoQ
-0.27% 0.67%
+16.4% YoY
0.76%
+16.9% YoY
0.69%
+15.8% YoY
44%
Tier 1 Capital Ratio ? 10.33%
+3.1% YoY +0.3% QoQ
-5.58% 15.91%
+1.4% YoY
15.35%
-0.4% YoY
17.09%
+0.8% YoY
Bottom 14.9% in tier
Non-Interest Income / Assets ? 0.10%
+9.9% YoY +124.8% QoQ
-0.47% 0.57%
+7.6% YoY
0.31%
+3.9% YoY
0.66%
+5.2% YoY
17%

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 19.6%
+0.3pp YoY
-0.3pp QoQ
 -2.5pp 22.1% 21.9% 22.2% 44%
Brokered Deposits 5.7%
-0.8pp YoY
0.0pp QoQ
 -2.2pp 7.9% 8.3% 8.5% 56%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
C&I 8.9%
-0.2pp YoY
+0.3pp QoQ
 -2.6pp 11.6% 14.6% 12.5% 46%
CRE 9.5%
-1.0pp YoY
-0.8pp QoQ
 -30.0pp 39.5% 36.5% 41.4% 4%
1-4 Family 12.4%
+0.1pp YoY
+0.3pp QoQ
 -20.3pp 32.6% 29.4% 31.3% 14%
Consumer 1.0%
-0.2pp YoY
0.0pp QoQ
 -3.2pp 4.1% 4.5% 5.0% 27%

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 10.3%
+0.3pp YoY
0.0pp QoQ
 -1.8pp 12.2% 11.0% 12.6% 38%
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 23
+2 (+9.5%) YoY
+1 (+4.5%) QoQ
 -36 58 55 482 15%
Assets per Employee ($) $10.2M
-5.1% YoY
-4.3% QoQ
 +$2.6M $7.5M $8.6M $8.8M 86%
Branch Count 3
0 YoY
0 QoQ
 -2 4 4 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Past Due 90+ Days 0.2% -0.1pp 0.3% 0.4% 0.4% 65%
Nonaccrual 0.1%
-0.1pp QoQ
 -0.8pp 0.9% 1.0% 1.0% 23%
Allowance Coverage 3.64x
-15.4% QoQ
 -20.52x 24.15x 20.41x 20.23x 63%
Net Charge-off Rate (YTD) -0.0% -0.1pp 0.1% 0.2% 0.2% 24%

Profitability

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
ROE 22.2%
+0.4pp YoY
-1.5pp QoQ
 +10.0pp 12.2% 13.1% 11.6% 93%
Cost of Funds (YTD) 2.1%
0.0pp YoY
0.0pp QoQ
 +0.4pp 1.7% 1.7% 1.7% 76%
Net Income ($, YTD) $2.5M
+16.8% YoY
— QoQ
 -$67K $2.6M $4.5M $40.4M 62%

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 (1)

Profitability Leader

growth
#285 of 661 • Top 43.0% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 2.12%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Concerns (3)

Credit Risk Growth

risk
#232 of 936 • Bottom 24.7% 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 | QoQ rank improving

Capital Thin

risk
#264 of 661 • Bottom 39.8% 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: 10.33%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Credit Quality Pressure

risk
#541 of 1256 • Bottom 43.0% in tier

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

Why this signature
Delinquency Rate: 0.33%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

163
Efficiency Ratio
profitability
Value: 42.52%
Peer Median: 64.48%
#163 of 2643 Top 6.1% in $100M-$1B
279
Return on Assets
profitability
Value: 2.12%
Peer Median: 1.32%
#279 of 2643 Top 10.5% in $100M-$1B

Top Weaknesses (3 metrics)

2582
Loan-to-Deposit Ratio
liquidity
Value: 111.97%
Peer Median: 77.95%
#2582 of 2643 Bottom 2.3% in $100M-$1B
2251
Tier 1 Capital Ratio
capital
Value: 10.33%
Peer Median: 15.91%
#2251 of 2643 Bottom 14.9% in $100M-$1B
2186
Non-Interest Income / Assets
revenue_mix
Value: 0.10%
Peer Median: 0.57%
#2186 of 2643 Bottom 17.3% in $100M-$1B
Powered by BlastPoint © 2026