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Q2 2026 · read from the 30 June 2026 Call Report · United States · Plains · Minnesota, the state note

United Prairie Bank

Mountain Lake, Minnesota · $939M in assets · beside the 11 other Minnesota banks between $300M and $1B

The filing

1.4x
Coverage of noncurrent
10th of 12
100.7%
Loans / deposits
9th of 12
0.66%
NPA / loans
9th of 12

United Prairie Bank is the second largest of the 12 Minnesota banks nearest its size between $300M and $1B, with $939M in assets at 30 June 2026. Loans are 100.7% of deposits, 9th of 12 against a median of 89.5%, and equity is 10.2% of assets, 5th of 12. Loans grew +2.3% in the year, 9th of 12, and deposits grew 0.5%; the cohort's median loan growth is +4.9%.

Noncurrent loans are 0.66% of the book, 9th of 12 against a median of 0.24%; 0.72% is 30 to 89 days past due, and the allowance covers them 1.4 times. Commercial real estate is 18.9% of loans, 4th of 12 against a median of 28.7%, and 163% of capital, below the 300% screen, with construction at 39% against the 100% screen.

Return on assets is 1.44%, 7th of 12 against a median of 1.47%, on an efficiency ratio of 58.2%, 8th of 12. Five years ago it was 1.81%. The question is which of these lines moves first over the next four quarters, and against which peer.

Commercial real estate, share of loansMN banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 28.7% VU Versabank USA National Association 0.0% VS Vermillion State Bank 5.6% FN First National Bank North 14.9% UP United Prairie Bank 18.9% PB Platinum Bank 23.5% PB Pioneer Bank 27.9% FN Falcon National Bank 29.4% MB Midwest Bank 29.9% HB Highland Bank 34.5% NB Northeast Bank 39.6% sC 21st Century Bank 41.5% AB Alliance Bank 45.5%
Loans, year over yearMN banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +4.9% VU Versabank USA National Association +387.3% MB Midwest Bank +19.7% FN First National Bank North +10.4% sC 21st Century Bank +9.5% PB Platinum Bank +6.5% AB Alliance Bank +6.1% PB Pioneer Bank +3.7% VS Vermillion State Bank +3.6% UP United Prairie Bank +2.3% HB Highland Bank +0.8% NB Northeast Bank +0.4% FN Falcon National Bank -2.9%

SBA 7(a), FY2008 to FY2026

United Prairie Bank is the 39th largest 7(a) lender into Minnesota of 444, with $53M across 170 loans, 0.5% of everything approved in the state (Old National Bank leads with $1.05B). 23 of its 31 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Minnesota, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Kandiyohi, MN$9M4th of 359.2%-26.0 pts
Hennepin, MN$8M56th of 2280.3%thin
Nicollet, MN$4M3rd of 309.7%thin
Carver, MN$4M16th of 861.7%quiet FY2020
Steele, MN$4M4th of 298.8%quiet FY2021
Cottonwood, MN$3M2nd of 1312.0%thin
Waseca, MN$3M1st of 1823.7%quiet FY2021
Blue Earth, MN$3M7th of 353.4%-5.4 pts
Ramsey, MN$2M56th of 1390.2%quiet FY2021
Jasper, MS$2M7th of 125.6%thin
Freeborn, MN$2M7th of 265.4%quiet FY2021
Mower, MN$2M5th of 229.1%quiet FY2021
Dakota, MN$1M74th of 1600.2%quiet FY2021
18 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Retail trade35$14M24.2%0.02%404th of 2,589
Transportation & warehousing17$6M11.0%0.05%276th of 1,563
Other services15$5M9.4%0.02%520th of 2,248
Manufacturing12$5M9.3%0.01%670th of 2,246
Agriculture, forestry & fishing16$5M8.3%0.06%173rd of 1,007
7(a) lenders into Minnesota, share of approvals since FY2008444 lenders on record; the ten largest and United Prairie Bank
ON Old National Bank 10.7% $1.05B · 2,156 loans WF Wells Fargo Bank National Associa… 6.7% $663M · 2,451 loans UB U.S. Bank, National Association 5.7% $556M · 3,508 loans B Bankvista 4.5% $438M · 1,010 loans CF Choice Financial Group 3.6% $349M · 744 loans PB Platinum Bank 3.2% $318M · 420 loans LO Live Oak Banking Company 2.5% $247M · 190 loans sC 21st Century Bank 2.4% $238M · 699 loans FN Falcon National Bank 2.1% $211M · 546 loans SB Sunrise Banks National Association 2.1% $204M · 726 loans UP United Prairie Bank 0.5% $53M · 170 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 4 CBLR filers, United Prairie Bank among them; owner-occupied excluded; bold marks a screen met
United Prairie BankRankCohort median
Total CRE against capital, the 300% screen163%4th of 12235%
Construction against capital, the 100% screen39%6th of 1239%
Construction and land development, share of loans4.5%7th of 124.4%
Non-owner-occupied nonfarm nonresidential, share of loans7.9%5th of 1211.2%
Total CRE, the guidance definition, share of loans18.9%4th of 1228.7%
CRE growth over 36 months, the third prong+22.8%7th of 12+22.5%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Midwest Bank$985M2.5%40.1%0.05%0.00%0.9%112.9%9.5%
United Prairie Bank$939M1.4%58.2%0.66%0.09%0.9%100.7%10.2%
Vermillion State Bank$931M2.6%23.2%0.24%-0.12%1.6%52.5%13.1%
Versabank USA National Association$912M1.2%42.0%0.10%0.00%0.0%85.4%20.6%
21st Century Bank$895M1.3%49.8%0.19%0.10%0.9%102.1%9.2%
Pioneer Bank$884M1.6%57.0%0.58%0.03%1.0%85.1%10.2%
Falcon National Bank$872M1.2%61.6%1.04%0.61%1.8%97.0%10.6%
First National Bank North$864M2.6%48.7%0.23%0.02%1.5%85.4%11.9%
Northeast Bank$837M1.5%64.3%0.20%-0.09%0.9%78.4%8.4%
Highland Bank$776M0.0%75.2%2.51%0.79%2.5%82.3%7.4%
Alliance Bank$756M1.0%64.4%0.01%-0.01%1.7%93.6%10.2%
Platinum Bank$739M1.5%58.1%0.81%0.00%1.3%108.5%8.2%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
United Prairie BankCohort median
20212026Change20212026Change
Loans$601M$794M+32%$458M$647M+41%
Deposits$642M$788M+23%$638M$759M+19%
NPA / loans0.58%0.66%+0.08 pts0.37%0.24%-0.13 pts
Efficiency59.7%58.2%-1.5 pts53.9%57.5%+3.6 pts
ROA1.81%1.44%-0.37 pts1.66%1.47%-0.19 pts

This read was prepared for United Prairie Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on United Prairie Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort MN banks $300M to $1B
Institution www.unitedprairiebank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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