# UNITED PRAIRIE BANK
MOUNTAIN LAKE, MN · FDIC certificate 10958 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $939.3M | |
| Deposits | $788.4M | |
| Loans and leases | $793.5M | |
| Total equity | $96.0M | |
| Loans / deposits | 99.71% (p88 of band) | 82.04% |
| Liquid assets / assets | 12.14% (p9 of band) | |
| Uninsured deposits / deposits | 21.08% (p33 of band) | 25.97% |
| Brokered deposits | 0.80% | |
| Wholesale funding | 6.13% (p63 of band) | |
| FHLB advances / assets | 4.47% | |
| Tier 1 leverage | 9.68% (p27 of band) | 10.81% |
| Unrealized securities loss / equity | -5.35% (p61 of band) | -8.10% |
| AOCI / equity | -0.95% (p24 of band) | |
| ROA (annualized) | 1.45% (p61 of band) | 1.28% |
| Net interest margin | 4.11% (p61 of band) | 3.91% |
| Efficiency ratio | 58.25% (p41 of band) | |
| Noncurrent loans | 0.66% (p61 of band) | 0.43% |
| Net charge-offs (annualized) | 0.07% (p80 of band) | |
| Reserve coverage of noncurrent | 143.18% | |
| Real estate % of loans | 68% | |
| Construction % of loans | 36.91% (p43 of band) | |
| Auto loans | $1.0M (0.13% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 0.5% | |
| Employees | 122 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | expense ratio p90 |  |
| 2014-06 | 1 | deposits shrinking | expense ratio p90 |
| 2014-09 | 1 |  |  |
| 2014-12 | 0 |  | deposits shrinking |
| 2015-03 | 1 | deposits shrinking |  |
| 2015-06 | 0 |  | deposits shrinking |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | uninsured deposits leaving |  |
| 2016-09 | 0 |  | uninsured deposits leaving |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | capital falling |  |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | capital falling |  |
| 2018-06 | 1 | reserve under noncurrent | capital falling |
| 2018-09 | 2 | noncurrent p90 |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 1 |  | noncurrent p90 |
| 2019-09 | 2 | noncurrent p90 |  |
| 2019-12 | 1 |  | noncurrent p90 |
| 2020-03 | 2 | loans exceed deposits |  |
| 2020-06 | 3 | wholesale funding >15%, capital falling | loans exceed deposits |
| 2020-09 | 3 |  |  |
| 2020-12 | 0 |  | reserve under noncurrent, wholesale funding >15%, capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 1 | loans exceed deposits |  |
| 2024-06 | 2 | brokered >10%, wholesale funding >15% | loans exceed deposits |
| 2024-09 | 1 |  | brokered >10% |
| 2024-12 | 0 |  | wholesale funding >15% |
| 2025-03 | 1 | charge-offs p90 |  |
| 2025-06 | 0 |  | charge-offs p90 |
| 2025-09 | 1 | charge-offs p90 |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 0 |  | charge-offs p90 |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-11-14 [Top Women in Finance 2025: Shelly Doll - Finance & Commerce](https://news.google.com/rss/articles/CBMigAFBVV95cUxQMUt6WHRkVEZnZjN3dXdXc2tna21CU1Z0OGVacGlFZ2hlY0pmSnlVbmJJSGg5ODNCVks0Ti1FdkFSZXo2bVhJUkRtandUYV9tdzZtMEh6bVJ5a2lLMUJSRWZROHUtODlpdm1aQU11cnVzVVg2eW9CSkg5RHJrSGR6Vw?oc=5) · Finance & Commerce
- 2025-08-18 [A Tale of Two Creditors: The Surety’s Equitable Right vs. The Bank’s Perfected Interest - minnlawyer.com](https://news.google.com/rss/articles/CBMiugFBVV95cUxOS0NlcnBhdTFQUWlkZFFac05GWWtGd0FYcUVHWnRzbDEwRENxRVZnMGM5X2h3RExlMDVzSGl2WjNMY0h5VG1EbHFINlkyZ1JIQjlCVm93bWVvM3ZUYms2SUVVazRlUE4wNjJSNkZURTRqeDRzS3RCRXpKY0otc3dqYVA0RUtZcVFOM0ZGTzFCbE1sb0NxNVA0RlFYV1VBM25EeFdrUWc5R0xSX1hOSkVLMEx0QkdzSm8tZlE?oc=5) · minnlawyer.com
- 2022-11-23 [Bastian and Buchele promoted with United Prairie - southernminn.com](https://news.google.com/rss/articles/CBMi7AFBVV95cUxPTjZqVVFCWGE5aG9wWWo5d0pZVEt6Y3ZSWTZaZGVTZ1drcmF1Q1lCMWZaa3pDMEt2Z3N2dEZDb1UwVERTWVdQQktqMGE2bWstUVBJV0RWUzUxZEJUNmxHa3JjdVBocmZBSm4wdTMxUGZFUnpxY1VhMUtWS1pTdGpjdWJuUUlVWU9HRF9qWDlobkFVQi1kQkpDejZCY0RfM1Y0b1dpb0dTM0d2NE9YVFItcGRHY1V1eUFzdHlpeExTX2pTYjhSRXBKaUVTZG82cWtWc09qS2lTUnZHdnBrSmdNMWZ2TVQ1aGZLQVpJXw?oc=5) · southernminn.com
- 2019-10-02 [Fun.com, United Prairie Bank named to GMG Hall of Fame - Mankato Free Press](https://news.google.com/rss/articles/CBMi5wFBVV95cUxNQlc3VmVtV2p0b25sRWxlcWlSMHh1NTlYbXRxbnhfMnNQOGdsUEg4QmVzOGR0TktBMXdDTHBxRFdLU196RHp5RDJERXZMY184ZTlTZkNIRl9rWTIzRkdVRmdTTFFsdnBOLWxJVThfU3E2b180UXBkOUxBMWV4NVVQZUMzazJRUzlZNFczMnk2bkxfbm1Welp2cFNhVzVkS18wUnZkNW5sdkZUR21CV216VmVYT2Q4cmx4V3NOMlhEclgwLXpNTXh3el9nTFBfVEJGTHM2UFBFcTBuYWtpa2p1YU1ZQWkzZTQ?oc=5) · Mankato Free Press
- 2022-07-07 [United Prairie Bank hires Strand as market president in Spicer - West Central Tribune](https://news.google.com/rss/articles/CBMimgFBVV95cUxQZGlDaTBUbE5nOE5xUGZMVzF4azZfekhGMkttdVN6QXNISGNhZWp0NnMtQlB3SDFDTTVPYWFFVHlIYTh2Y1VVTldCQWtON0lWaW56blJ1d3RBeDhxY09mRzNmLVo4ZGU5R0tJM0FpYUMxTDBJNmZHb2JORXVGVmt5bmE2U2hweXZVZEhNMC1nb0J0REdKSVdVU25B?oc=5) · West Central Tribune
- 2026-05-12 [New Ulm’s fraud squad is back - - nujournal.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxPSURWcDRnT2k0YnYwb3k5ZkJzN19uSi1vclpGQzNzYVNlRnVGVGprUU5Xd2FLNTBtX1Zyak9Gc2VENXROUi1JNmFYTTZraFRYV1dpWHExTHRfQ2xWNVFiY214UENtM2VOTlFqOUJtOHZTTzl5TV9qdlRIVnFUMk9uaDZpMkk4LTEydGc?oc=5) · nujournal.com
- 2021-08-26 [Jim Vrchota Joins Merchants Bank as VP and commercial banker - Winona Post](https://news.google.com/rss/articles/CBMi4AFBVV95cUxNNk9aS2NnbHRBQTV1c1pjaW4zNzNrX2xKa2hxUkx6cHZvYzdOMVBSYy1HSXBOdUJQQ3AyVmk0cW5nQUx5Nmc2ZVV0cVZFOHkxSWUzbG1rOW1VemJLckZNM0lZRjJ5YWptRWpQMlV5Z1lmTklvM05PN1ZuUlMyZXc3U0dfNDZuVklnbGNLSnBqbXViTjk3UkU5bUprNVpaazV2Z2JXcmFxVlNuZDNJNDQtQlZEZW8wTTBRRFY0QWpIUER1YkRrR2drMVA5WkdXVUpVYXNDbXY4Y1NpeTNjR293cQ?oc=5) · Winona Post
- 2025-08-19 [Context Impacts Application of Surety Equitable Subrogation Rights - Clyde & Co](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOSk1LbFdWNml3eG0wY2NxOE5Ucjh6WURjTVJuZkQ4TVhLM0VNQjFoRWVBT05JaUQyUjNGbWpXUlBaVnhfQWhUQ3VxYW5NZFhCMGhBWkJEemw5azY0V25fX1RoVDJpM2ZpQ1l4Zk1zNTcyenlxSEtRS0pnNDIzRlEydHRESzZJNHBh?oc=5) · Clyde & Co

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10958 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/14.json (key "10958", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide