Ultima Bank Minnesota (FDIC #8867): Bank Stress & Real-Estate Credit Exposure
Ultima Bank Minnesota (FDIC Cert #8867): bank stress 53/100, moderate, STABLE over 7 days; parent FINANCIAL SERVICES WINGER INC.
Ultima Bank Minnesota (#8867) lends in 4 counties across 1 state; Ultima Bank Minnesota (#8867) reaches 57 ZIP codes: Minnesota 4 counties, 57 ZIPs.
Ultima Bank Minnesota (#8867) largest markets: Polk County, MN (75 branches, 25 ZIPs) (#8867), Beltrami County, MN (18 branches, 18 ZIPs) (#8867), Norman County, MN (15 branches, 15 ZIPs) (#8867), Red Lake County, MN (9 branches, 9 ZIPs) (#8867).
Ultima Bank Minnesota (#8867) reports $333.9 million in total assets; Ultima Bank Minnesota (#8867) equity $35.5 million (10.6% of Ultima Bank Minnesota (#8867) assets); Ultima Bank Minnesota (#8867) domestic deposits $277.3 million; Ultima Bank Minnesota (#8867) net income $2.8 million; Ultima Bank Minnesota (#8867) return on assets 1.76%; Ultima Bank Minnesota (#8867) return on equity 16.15%; Ultima Bank Minnesota (#8867) net interest income $7.9 million; Ultima Bank Minnesota (#8867) call report June 30, 2026.
Ultima Bank Minnesota (#8867) noncurrent real-estate loans: none reported; Ultima Bank Minnesota (#8867) net charge-offs on real estate 0.35%; Ultima Bank Minnesota (#8867) residential charge-offs 0.44%.
Ultima Bank Minnesota (#8867) net interest margin 5.09% against an eight-quarter Ultima Bank Minnesota (#8867) average of 5.21% (Ultima Bank Minnesota (#8867) compression 0.11 points); Ultima Bank Minnesota (#8867) non-residential real estate 44.1% of equity; Ultima Bank Minnesota (#8867) rate-exposure score 40/100, Ultima Bank Minnesota (#8867) fixed-rate trap 40/100; Ultima Bank Minnesota (#8867) risk type credit driven; Ultima Bank Minnesota (#8867) rate regime rates elevated, Ultima Bank Minnesota (#8867) snapshot October 19, 2026.
Ultima Bank Minnesota (#8867) stress score moved from 53.9 on June 22, 2026 to 53.3 on October 20, 2026; Ultima Bank Minnesota (#8867) ranged 53.3 to 53.9 over 117 snapshots.
Ultima Bank Minnesota (#8867) alerts: 4 counties; top Ultima Bank Minnesota (#8867) alert scores: Bemidji County, MN 21 (low); Gary County, MN 21 (low); Plummer County, MN 21 (low); Winger County, MN 21 (low).