United Farmers State Bank
Adams, MN · Cert 8821 · Peer group: banks under $1B in assets in MN (n=111-113) · Adams Bancshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
$233.8MAssets
$205.8MLoans
$181.6MDeposits
$22.8MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 96% of banks under $1B in assets in MN (rank 6 of 113).
- Widest gap: total risk-based capital ratio trails 92% of banks under $1B in assets in MN (rank 104 of 113).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.79%
Rank 12 of 113
Net Interest Margin
3.72%
Rank 69 of 113
Efficiency Ratio
42.52%
Rank 6 of 113
Equity / Assets
9.77%
Rank 66 of 113
Non-interest income vs. expense
Unfavorable gap of $3.5M · efficiency ratio beats 96% of banks under $1B in assets in MN | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.79% | 0.87% | 1.20% | 1.41% | Beats 89% | 12 / 113 | | |
| Return on Equity | 18.36% | 8.92% | 11.27% | 13.99% | Beats 90% | 11 / 113 | | |
| Net Interest Margin | 3.72% | 3.42% | 3.88% | 4.31% | Beats 39% | 69 / 113 | | |
| Efficiency Ratio | 42.52% | 54.13% | 61.48% | 69.86% | Beats 96% | 6 / 113 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.33% | 0.09% | 0.58% | 1.82% | Beats 60% | 45 / 111 | | |
| Net Charge-Offs / Loans | 0.02% | n/a | 0.00% | 0.04% | Beats 33% | 75 / 111 | | |
| Capital |
| Tier 1 Capital Ratio | 10.33% | 11.53% | 13.31% | 18.13% | Beats 9% | 103 / 113 | | |
| Total Risk-Based Capital Ratio | 10.33% | 12.12% | 14.43% | 19.39% | Beats 8% | 104 / 113 | | |
| Equity / Assets | 9.77% | 8.52% | 10.10% | 11.94% | Beats 42% | 66 / 113 | | |
| Liquidity & Funding |
| Loans / Deposits | 113.34% | 62.08% | 77.32% | 88.06% | 98th pctl | 2 / 111 | | |
| Loans / Assets | 88.03% | 55.01% | 66.35% | 75.50% | 93rd pctl | 8 / 113 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |