United Farmers State Bank

BankAdams, Minnesota
www.unitedfsb.com

Total Assets

$235.3M

Total Deposits

$180.9M

Branches

3

Established

1914

TFS Health Grade

$
D

65.6 / 100

Below average financial health

How we grade

United Farmers State Bank is a bank headquartered in Adams, Minnesota, established in 1914. With $235.3M in total assets and 3 branch locations, it has a TFS Financial Health Grade of D (65.6/100).

Capital & Safety

Tier 1 Capital Ratio
10.06%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
0.14%

Profitability

Return on Assets (ROA)
2.00%(1%)
Return on Equity (ROE)
22.17%(10%)
Net Interest Margin
3.75%
Efficiency Ratio
42.73%(60%)

Lending & Liquidity

Total Loans
$212.5M
Loan-to-Deposit Ratio
116.08%
Net Charge-Off Ratio
0.10%

Growth

Asset Growth (YoY)
+7.60%
Deposit Growth (YoY)
+6.17%
Net Income
$4.5M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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