Total Assets
$235M
Total balance-sheet footings
FDIC Cert #8821 · Adams, Minnesota · Est. 1914
United Farmers State Bank - FDIC Bank Health Profile
A community-scale look at United Farmers State Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $235M
- Total assets
- A
- Health grade · Excellent
- 2.00%
- Return on assets
- 10.1%
- Tier 1 capital
Data updated July 2026
The verdict
United Farmers State Bank earns a PlainBankData health grade of A (88/100), with well-capitalized at 10.06% Tier 1, profitable at 2.00% ROA, efficient (43% cost ratio).
- #2,818
- largest of 4,313 FDIC banks by assets
- 35th
- percentile by asset size, nationally
- 10.06%
- Tier 1 ratio - above the 10% well-capitalized line
- 91st
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How United Farmers State Bank's 88/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
United Farmers State Bank's composite health score
Tier 1 Capital Ratio (10.06%) 28/40
Return on Assets (ROA) (2.00%) 25/25
Texas Ratio (1.18%) 20/20
Efficiency Ratio (42.73%) 15/15
88 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$181M
Customer-funded liabilities
Net Loans
$210M
Outstanding loan book
Net Income
$5M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where United Farmers State Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. United Farmers State Bank's score of 88/100 falls in the highlighted band.
United Farmers State Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). United Farmers State Bank's $235M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.06% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.06%
Texas Ratio
1.18%
Equity Capital
$22M
Profitability metrics
Return on Assets (ROA)
91st percentile nationally
2.00%
Return on Equity (ROE)
22.17%
Efficiency Ratio
42.73%
What the numbers say about United Farmers State Bank
United Farmers State Bank is an FDIC-insured institution (Certificate #8821) headquartered in Adams, Minnesota, established in 1914. It holds $235M in total assets - 2,818th of 4,313 FDIC-insured banks, $181M in customer deposits, and $210M in net loans. On safety, its Tier 1 capital ratio of 10.06% is above the 10% well-capitalized threshold, and its Texas Ratio of 1.18% sits in the healthy range below 50%. It earns a PlainBankData health grade of A (88/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Minnesota, United Farmers State Bank ranks 103rd of 227 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$13M
Interest Income
$520K
Non-Interest Income
$4M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. United Farmers State Bank reports a Texas Ratio of 1.18% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
1.18% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Minnesota by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) United Farmers State Bank (FDIC Cert #8821) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Minnesota
All Minnesota banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Ameriprise Bank, FSBMinneapolis | $25.3B | A | 3.08% |
| Bridgewater BankSaint Louis Park | $5.4B | A | 0.99% |
| Frandsen Bank & TrustLonsdale | $3.7B | A | 1.48% |
| Stearns Bank National AssociationSaint Cloud | $3.3B | A | 1.85% |
| Minnwest BankRedwood Falls | $3.0B | B | 0.92% |
| Merchants Bank, National AssociationWinona | $2.9B | A | 1.23% |
| Tradition Capital BankWayzata | $2.6B | B | 0.71% |
| Think Mutual BankRochester | $2.2B | B | 0.61% |
Frequently asked questions
What is United Farmers State Bank's health grade?▼
United Farmers State Bank receives a health grade of A (88/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is United Farmers State Bank?▼
United Farmers State Bank holds $235M in total assets and $181M in deposits, ranking 2,818th of 4,313 FDIC-insured banks by asset size. It is headquartered in Adams, Minnesota.
Is my money safe at United Farmers State Bank?▼
Yes, deposits at United Farmers State Bank (Certificate #8821) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is United Farmers State Bank's Tier 1 Capital Ratio?▼
United Farmers State Bank has a Tier 1 Capital Ratio of 10.06%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for United Farmers State Bank?▼
United Farmers State Bank has a Texas Ratio of 1.18%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is United Farmers State Bank?▼
United Farmers State Bank has an Efficiency Ratio of 42.73%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read United Farmers State Bank's profile as a depositor or analyst.
- United Farmers State Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare United Farmers State Bank against other Minnesota banks before moving funds. Minnesota banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.