Headquartered in Mountain Lake, Minnesota, United Prairie Bank is a state-chartered bank with $939.3M in total assets and $788.4M in deposits as of Q2 2026. It operates 10 offices. Its charter dates back to 1919.
United Prairie Bank has a TellerScore of 66 out of 100 (moderate) based on Q2 2026 data — higher than only 31% of its 2,650 banks with $100 million – $1 billion. Among 223 banks headquartered in Minnesota, it ranks 140th. Problem-loan coverage contributes the most (90/100, 5.0%); capital cushion contributes the least (47/100, 9.68%).
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 rose 2 points (64 → 66), mostly because the earnings component improved by 21 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 65 |
| Q3 2024 | 65 |
| Q4 2024 | 65 |
| Q1 2025 | 63 |
| Q2 2025 | 64 |
| Q3 2025 | 65 |
| Q4 2025 | 69 |
| Q1 2026 | 71 |
| Q2 2026 | 66 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.36% |
| Q3 2024 | 9.29% |
| Q4 2024 | 9.45% |
| Q1 2025 | 8.97% |
| Q2 2025 | 9.33% |
| Q3 2025 | 9.37% |
| Q4 2025 | 9.62% |
| Q1 2026 | 9.34% |
| Q2 2026 | 9.68% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.33% |
| Q3 2024 | 0.33% |
| Q4 2024 | 0.41% |
| Q1 2025 | 0.34% |
| Q2 2025 | 0.37% |
| Q3 2025 | 0.26% |
| Q4 2025 | 0.13% |
| Q1 2026 | 0.07% |
| Q2 2026 | 0.66% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.01% |
| Q3 2024 | 0.94% |
| Q4 2024 | 0.97% |
| Q1 2025 | 0.77% |
| Q2 2025 | 0.92% |
| Q3 2025 | 0.87% |
| Q4 2025 | 1.04% |
| Q1 2026 | 1.36% |
| Q2 2026 | 1.45% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 66 | $939.3M | 9.68% | 0.66% | 1.45% | 99.7% |
| Q1 2026 | 71 | $974.6M | 9.34% | 0.07% | 1.36% | 93.0% |
| Q4 2025 | 69 | $954.2M | 9.62% | 0.13% | 1.04% | 96.5% |
| Q3 2025 | 65 | $931.4M | 9.37% | 0.26% | 0.87% | 95.7% |
| Q2 2025 | 64 | $923.7M | 9.33% | 0.37% | 0.92% | 97.9% |
| Q1 2025 | 63 | $925.1M | 8.97% | 0.34% | 0.77% | 94.4% |
| Q4 2024 | 65 | $915.5M | 9.45% | 0.41% | 0.97% | 98.1% |
| Q3 2024 | 65 | $912.5M | 9.29% | 0.33% | 0.94% | 96.9% |
| Q2 2024 | 65 | $900.2M | 9.36% | 0.33% | 1.01% | 98.8% |
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 |
|---|---|---|---|---|---|
| Vermillion State BankBank Vermillion, MN | 90 out of 100, Very strong | $931.4M | 13.4% | 0.24% | vs |
| VersaBank USA National AssociationBank Holdingford, MN | 89 out of 100, Very strong | $911.9M | 22.5% | 0.10% | vs |
| 21st Century BankBank Loretto, MN | 70 out of 100, Strong | $894.8M | 10.7% | 0.19% | vs |
| Midwest BankBank Detroit Lakes, MN | 74 out of 100, Strong | $984.5M | 9.8% | 0.05% | vs |
| Pioneer BankBank Mapleton, MN | 71 out of 100, Strong | $883.8M | 10.2% | 0.58% | vs |
| Falcon National BankBank Foley, MN | 62 out of 100, Moderate | $872.3M | 10.2% | 1.04% | vs |
Deposit insurance
Is my money safe at United Prairie Bank?
Yes. United Prairie Bank is an FDIC-insured institution (FDIC certificate #10958). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 21.1% of deposits ($166.2M) 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 9.68%, 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%).
10 locations
Branches
United Prairie Bank lists 10 offices in 10 cities. Most locations:
- Madison, MN (1)
- Mankato, MN (1)
- Mountain Lake, MN (1)
- New Ulm, MN (1)
- Owatonna, MN (1)
- Spicer, MN (1)
- Waseca, MN (1)
- Wilmont, MN (1)
- Windom, MN (1)
- Worthington, MN (1)
Identity & history
Profile
- Legal name
- United Prairie Bank
- Former names
- Farmers State Bank of Mountain Lake
- Type
- State-chartered bank
- FDIC certificate #
- 10958
- RSSD ID
- 712059
- Primary regulator
- FDIC
- Holding company
- Farmers State Corp
- Established
- July 21, 1919
- Headquarters
- 1141 3rd Ave, Mountain Lake, MN 56159
- Website
- www.unitedprairiebank.com
- Employees
- 122
Quick answers
United Prairie Bank: common questions
Is United Prairie Bank FDIC insured?
Yes. United Prairie Bank is an FDIC-insured institution (FDIC certificate #10958). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is United Prairie Bank's TellerScore?
66 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has United Prairie Bank ever failed?
There is no failure record for FDIC certificate #10958 in the FDIC failed bank list.
How many branches does United Prairie Bank have?
10 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Mountain Lake
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| State Bank of JeffersBank Jeffers, MN | 97 out of 100, Very strong | $37.1M | 14.1% | 0.00% | vs |
| Welcome State BankBank Welcome, MN | 90 out of 100, Very strong | $44.3M | 12.8% | 0.00% | vs |
| Worthington Federal Savings Bank, FSBBank Worthington, MN | 80 out of 100, Strong | $135.4M | 14.8% | 0.65% | vs |
| First National BankBank Oldham, SD | 77 out of 100, Strong | $477.8M | 18.4% | 2.01% | vs |
| First Security Bank - Sleepy EyeBank Sleepy Eye, MN | 73 out of 100, Strong | $182.8M | 15.3% | 2.60% | vs |
| MidCountry BankBank Minneapolis, MN | 72 out of 100, Strong | $1.1B | 13.0% | 0.90% | vs |