United Prairie Bank
Mountain Lake, Minnesota · FDIC Cert #10958
United Prairie Bank is an FDIC-insured bank (Certificate #10958) with $900M in total assets and $759M in total deposits as of the Q2 2024 Call Report. Headquartered in Mountain Lake, Minnesota, the bank maintains a Tier 1 capital ratio of 10.13% (Well-Capitalized) and a nonperforming loan ratio of 0.33%. BankHealthData assigns a composite Health Grade of C (63/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
United Prairie Bank (FDIC cert 10958) is a community bank — $900M in total assets, $759M in deposits, serving the Mountain Lake, Minnesota area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is adequate: Tier 1 capital ratio of 10.13% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is clean: non-performing loan ratio of 0.33% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is thin: 12.3% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is solid: ROA of 1.08% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. United Prairie Bank carries a composite BankHealth grade of C (63/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: United Prairie Bank
- Total Assets
- $900M
- Total Deposits
- $759M
- Tier 1 Capital Ratio
- 10.13%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.33%
- Liquidity Ratio
- 12.25%
- Return on Assets
- 1.08%
- Headquarters
- Mountain Lake, Minnesota
- FDIC Certificate
- #10958
- Health Grade
- C (63/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, United Prairie Bank holds a Tier 1 capital ratio of 10.13%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning United Prairie Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
United Prairie Bank shows average financial health. While not alarming, its Health Score of 63/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How United Prairie Bank Compares
United Prairie Bank’s Health Score of 63 is 10 points below the Minnesota state average of 73 across 225 FDIC-insured banks. Its 10.13% Tier 1 capital ratio is 3.9 points below the US banking industry average near 14%. The 0.33% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.08% is below the national ROA benchmark of ~1.1%. Among 1101 similarly-sized banks, the average Health Score is 71, meaning this bank ranks below its size cohort. Site-wide, United Prairie Bank is 7 points below the portfolio average of 70.
Frequently Asked Questions
United Prairie Bank has a Bank Health Score of C (63/100), placing it in average financial health. It holds a Tier 1 capital ratio of 10.13%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. United Prairie Bank's Tier 1 capital ratio of 10.13% and nonperforming loan ratio of 0.33% indicate an average risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at United Prairie Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #10958). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
United Prairie Bank holds $900M in total assets and $759M in total deposits. It is headquartered in Mountain Lake, Minnesota (FDIC Certificate #10958).
United Prairie Bank has a Tier 1 capital ratio of 10.13%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.33%, and the return on assets is 1.08%.
Yes. United Prairie Bank is FDIC-insured (Certificate #10958). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An C grade on our Bank Health Score means 55-69/100 — average across capital, loan quality, and profitability. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
United Prairie Bank's metrics are around average for the industry. There's no urgent action needed for FDIC-insured deposits, but it's worth monitoring quarterly updates. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.