Ultima Bank Minnesota

Winger, MinnesotaFDIC Cert #8867

STATEEstablished 19046 branches

Holding company: FINANCIAL SERVICES WINGER INCRegulator: FDIC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
Category	Balance
Owner CRE	$34.9M
Investor CRE	$14M
Multifamily	$1.41M
Construction	$7.23M
1–4 family	$25.9M
C&I	$38.2M
Agriculture	$172M
Other	$5.34M

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$299M

+6.3%y/y

Percentile by value39th percentileby value

FDICLNLSGR

Net loans

$296M

+6.3%y/y

Percentile by value39th percentileby value

FDICLNLSNET

Loans YoY

+6.31%

−40.5%y/y

Percentile by value53rd percentileby value

FDICLNLSNET

L/D

105.4%

−0.6%y/y

Percentile by value95th percentileby value

FDICLNLSNET + DEP

Loans/assets

92.7%

+0.7%y/y

Percentile by value100th percentileby value

FDICLNLSNET + ASSET

RE loans %

56.37%

−1.9%y/y

Percentile by value8th percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

2,057points

−1.5%y/y

Peer standing57th percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

11.69%

+8.4%y/y

Percentile by value47th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

4.67%

+0.4%y/y

Percentile by value15th percentileby value

FDICLNRENROT + LNLSGR

C&I %

12.79%

+6.4%y/y

Percentile by value70th percentileby value

FDICLNCI + LNLSGR