Headquartered in Adams, Minnesota, United Farmers State Bank is a state-chartered bank with $233.8M in total assets and $181.6M in deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1914.
United Farmers State Bank has a TellerScore of 75 out of 100 (strong) based on Q2 2026 data — higher than 61% of its 2,650 banks with $100 million – $1 billion. Among 223 banks headquartered in Minnesota, it ranks 61st. Earnings contributes the most (100/100, 2.12%); funding & liquidity contributes the least (50/100, 112% loans-to-deposits, 14% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 2 points (77 → 75), mostly because the loan quality component weakened by 11 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 77 |
| Q3 2024 | 78 |
| Q4 2024 | 75 |
| Q1 2025 | 78 |
| Q2 2025 | 77 |
| Q3 2025 | 76 |
| Q4 2025 | 76 |
| Q1 2026 | 76 |
| Q2 2026 | 75 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.52% |
| Q3 2024 | 10.62% |
| Q4 2024 | 9.84% |
| Q1 2025 | 10.09% |
| Q2 2025 | 10.02% |
| Q3 2025 | 9.97% |
| Q4 2025 | 10.06% |
| Q1 2026 | 10.29% |
| Q2 2026 | 10.33% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.15% |
| Q4 2025 | 0.14% |
| Q1 2026 | 0.27% |
| Q2 2026 | 0.33% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.73% |
| Q3 2024 | 1.79% |
| Q4 2024 | 1.76% |
| Q1 2025 | 2.04% |
| Q2 2025 | 1.93% |
| Q3 2025 | 1.94% |
| Q4 2025 | 2.00% |
| Q1 2026 | 2.25% |
| Q2 2026 | 2.12% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 75 | $233.8M | 10.33% | 0.33% | 2.12% | 112.0% |
| Q1 2026 | 76 | $233.6M | 10.29% | 0.27% | 2.25% | 114.6% |
| Q4 2025 | 76 | $235.3M | 10.06% | 0.14% | 2.00% | 116.1% |
| Q3 2025 | 76 | $232.7M | 9.97% | 0.15% | 1.94% | 111.0% |
| Q2 2025 | 77 | $224.9M | 10.02% | 0.00% | 1.93% | 115.0% |
| Q1 2025 | 78 | $218.6M | 10.09% | 0.00% | 2.04% | 112.7% |
| Q4 2024 | 75 | $218.7M | 9.84% | 0.00% | 1.76% | 113.3% |
| Q3 2024 | 78 | $209.5M | 10.62% | 0.00% | 1.79% | 110.0% |
| Q2 2024 | 77 | $205.8M | 10.52% | 0.00% | 1.73% | 109.7% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Minnesota
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Security State Bank of MarineBank Marine On St. Croix, MN | 82 out of 100, Strong | $232.5M | 10.9% | 0.13% | vs |
| The Wanda State BankBank Wanda, MN | 71 out of 100, Strong | $229.8M | 12.1% | 1.12% | vs |
| BankwestBank Rockford, MN | 76 out of 100, Strong | $239.9M | 9.5% | 0.08% | vs |
| Eagle BankBank Glenwood, MN | 89 out of 100, Very strong | $226.9M | 14.3% | 0.58% | vs |
| Arcadian BankBank Hartland, MN | 85 out of 100, Very strong | $242.1M | 12.0% | 0.10% | vs |
| Center National BankBank Litchfield, MN | 80 out of 100, Strong | $242.6M | 11.1% | 0.00% | vs |
Deposit insurance
Is my money safe at United Farmers State Bank?
Yes. United Farmers State Bank is an FDIC-insured institution (FDIC certificate #8821). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 13.9% of deposits ($25.2M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.33%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
3 locations
Branches
United Farmers State Bank lists 3 offices in 3 cities. Most locations:
- Adams, MN (1)
- Dexter, MN (1)
- Rose Creek, MN (1)
Identity & history
Profile
- Legal name
- United Farmers State Bank
- Former names
- Farmers State Bank of Adams, Minnesota
- Type
- State-chartered bank
- FDIC certificate #
- 8821
- RSSD ID
- 328656
- Primary regulator
- FDIC
- Holding company
- Adams Bancshares Inc
- Established
- January 1, 1914
- Headquarters
- 15 Sw 4th St, Adams, MN 55909
- Website
- www.unitedfsb.com
- Employees
- 23
Quick answers
United Farmers State Bank: common questions
Is United Farmers State Bank FDIC insured?
Yes. United Farmers State Bank is an FDIC-insured institution (FDIC certificate #8821). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is United Farmers State Bank's TellerScore?
75 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has United Farmers State Bank ever failed?
There is no failure record for FDIC certificate #8821 in the FDIC failed bank list.
How many branches does United Farmers State Bank have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Adams
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Austin City Employees Credit UnionCredit union Austin, MN | 97 out of 100, Very strong | $11.6M | 19.1% | 0.00% | vs |
| Mower County Employees Credit UnionCredit union Austin, MN | 90 out of 100, Very strong | $13.4M | 14.7% | 0.17% | vs |
| First Citizens BankBank Mason City, IA | 81 out of 100, Strong | $1.8B | 12.0% | 0.16% | vs |
| First National BankBank Oldham, SD | 77 out of 100, Strong | $477.8M | 18.4% | 2.01% | vs |
| First State Bank MinnesotaBank Le Roy, MN | 76 out of 100, Strong | $105.9M | 11.4% | 0.80% | vs |
| Farmers State BankBank Northwood, IA | 74 out of 100, Strong | $221.4M | 12.7% | 0.77% | vs |