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Overview / Commentary
9 W Minnesota Ave
Winger, MN 56592

Ultima Bank Minnesota is headquartered in Winger and is the 105th largest bank in the state of Minnesota. It is also the 3,251st largest bank in the nation. It was established in 1904 and as of March of 2018, it had grown to 39 employees at 4 locations. Ultima Bank Minnesota's savings rates are 3X the national average, and it has a B+ health rating.


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Health Grade Components

FDIC Certificate #8867
Year Established1904
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD2.45%
Return on Equity - YTD23.73%
Annual Interest Income$2.5MM
Assets and Liabilities
AssetsQ1 2018vs Q1 2017$169.7MM$164.0MM
LoansQ1 2018vs Q1 2017$159.3MM$155.3MM
DepositsQ1 2018vs Q1 2017$143.0MM$144.6MM
Equity CapitalQ1 2018vs Q1 2017$17.7MM$16.4MM
Loan Loss AllowanceQ1 2018vs Q1 2017$2.0MM$2.3MM
Unbacked Noncurrent LoansQ1 2018vs Q1 2017$1.4MM$1.6MM
Real Estate OwnedQ1 2018vs Q1 2017$0$157.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Ultima Bank Minnesota Savings Account Rates

2.52%--SMART Saving Account
1.70%*$500k*-UBM Direct Saving Account
OTHER TIERS: 1.52% $1k - $500k
1.46%*$100k*-IRA Savings
OTHER TIERS: 0.45% Up to $10k | 0.70% $10k - $25k | 0.95% $25k - $50k | 1.10% $50k - $75k | 1.26% $75k - $100k
0.80%*$100k*-Ultima Saving Account
OTHER TIERS: 0.45% $10k - $25k | 0.55% $25k - $50k | 0.60% $50k - $75k | 0.70% $75k - $100k
0.65%--Health Savings Account
0.35%--Regular Saving Account
0.25%--Christmas Club Account

Ultima Bank Minnesota Money Market Rates

0.55%*$75k*-Money Market Saving Account
OTHER TIERS: 0.35% $2,500 - $10k | 0.40% $10k - $25k | 0.45% $25k - $50k | 0.50% $50k - $75k
0.50%*$75k*-Money Market Checking Account
OTHER TIERS: 0.30% $1k - $10k | 0.35% $10k - $25k | 0.40% $25k - $50k | 0.45% $50k - $75k

Ultima Bank Minnesota Checking Account Rates

1.71%*$500k*-Liquid Assets Checking Account
OTHER TIERS: 0.50% $10k - $50k | 0.75% $50k - $100k | 1.00% $100k - $250k | 1.51% $250k - $500k
0.75%*$100k*-Ultima Checking Account
OTHER TIERS: 0.40% $10k - $25k | 0.50% $25k - $50k | 0.55% $50k - $75k | 0.65% $75k - $100k
0.30%$500-NOW Account

Ultima Bank Minnesota CD Rates

2.25%$1k-36 Month Special CD with active checking
2.10%$1k-60 Month CD
2.00%$1k-36 Month Special CD without active checking
2.00%$1k-24 Month Special CD with active checking
1.75%$1k-12 Month Special CD with active checking
1.75%$1k-24 Month Special CD without active checking
1.70%$1k-48 Month CD
1.50%$1k-36 Month CD
1.50%$1k-12 Month Special CD without active checking
1.35%$1k-24 Month CD
1.10%$1k-18 Month CD
1.00%$1k-12 Month CD
0.85%$1k-9 Month CD
0.75%$1k-6 Month CD
0.50%$1k-3 Month CD

Ultima Bank Minnesota IRA Rates

2.20%$1k-60 Month IRA
1.80%$1k-48 Month IRA
1.60%$1k-36 Month IRA
1.45%$1k-24 Month IRA
1.10%$1k-12 Month IRA

Ultima Bank Minnesota Locations
Plummer Branch101 Central Ave EPlummer, MN 56748
Bemidji Branch101 Shevlin Avenue SwBemidji, MN 56601
Fosston Branch603 Hilligoss BoulevardFosston, MN 56542
Ultima Bank Minnesota9 W Minnesota AveWinger, MN 56592

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