United Farmers State Bank
Adams, MN
IDRSSD: 328656
Total Assets
$232.74M
Latest filing
Total Deposits
$177.95M
Latest filing
Net Interest Margin
3.78%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
United Farmers State Bank
15 Sw 4th St
Adams, MN 55909
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1914FDIC Certificate 5618
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| United Farmers State Bank (Main) | 15 Sw 4th St | Adams, MN |
| DEXTER FACILITY | 235 S Main St | Dexter, MN |
| ROSE CREEK BRANCH | 61255 170th St | Rose Creek, MN |
Showing 2 of 2
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/01/1914 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 55909 |
| State and County Number | 27099 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 09 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | Austin, MN |
Operational Info
| Number of Employees | 21 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2024 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.unitedfsb.com |
| Data Updated | 11/14/2025 |
| CERT | 8821 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $232.74M |
| Total Deposits | $177.95M |
| Total Liabilities | $211.48M |
| Total Equity Capital | $21.27M |
| Net Income | $1.13M |
| Net Loans and Leases | $197.62M |
| Assets Per Employee ($Millions) | $11.08M |
| Bank Premises and Fixed Assets | $742.00k |
| Cash and Balances due from Depository Institutions | $4.87M |
| Deposits Held in Domestic Offices | $177.95M |
Key Performance Ratios
| Return on Assets (ROA) | 1.97% |
| Return on Equity (ROE) | 21.72% |
| Net Interest Margin | 3.78% |
| Efficiency Ratio | 43.37% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.138% |
| Earning Assets to total Assets | 94.32% |
Income and Expense
| Total Interest Income | $3.27M |
| Total Noninterest Income | $108.00k |
| Total Interest Expense | $1.23M |
| Total Noninterest Expense | $932.00k |
| Net Interest Income | $2.04M |
| Pre-tax Net Operating Income | $1.22M |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $32.68M |
| Federal Funds Sold & Reverse Repurchase Agreement | $8.81M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $846.00k |
| Total Liabilities and Capital | $232.74M |
Securities
| Securities | $12.00M |
| Available-for-sale debt securities | $11.91M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of United Farmers State Bank?
$232.74M as of the latest filing.
How much are United Farmers State Bank's total deposits?
$177.95M in total deposits.
Where is United Farmers State Bank located?
Adams, MN.
What is the Net Interest Margin?
3.78%.
How many domestic offices does it operate?
3.
When was it established?
01/01/1914.
What is the Return on Assets (ROA)?
1.97%.
How much are total loans and leases?
$197.62M (latest filing).
What is the total interest income (latest filing)?
$3.27M.