PackageTrendsPeer
Letter portraitLegal landscape

Bankvista

Sartell, MN · Cert 35406 · Abdo Investments Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

33

Q2 2024Q2 2026peer median (50)

Asset Quality

10

Q2 2024Q2 2026peer median (50)

Profitability

63

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

84

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bankvista

Sartell, MN · Cert 35406 · Abdo Investments Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$651.1MAssets
$589.5MLoans
$540.6MDeposits
$63.6MEquity
Loan mix
77%RE $444.4M22%C&I $125.1M1%Consumer $6.0MQ2 2025Q2 2026
Deposit mix
78%Interest-bearing $420.3M22%Noninterest $120.3MQ2 2025Q2 2026

NIM

5.98%Q2 ’246.08%Q2 ’256.10%Q2 ’26+15%+10%

Non-interest income vs. expense

2.25%Q2 ’242.37%Q2 ’252.31%Q2 ’26+1%-15%

Market Position · St. Cloud, MN · 2026 SOD (annual) · 3.3% share · #8 of 32 inst. · $0.3B of $7.9B

3.6% Stearns
5.8% Carver
4.2% Blue Earth

Executive Summary

  • Earnings: ROA of 1.24%, up 42 bps year over year; NIM at 3.65%.
  • Asset quality: problem loans at 2.21% of loans (+22 bps YoY), with net charge-offs at 0.47%.
  • Capital: tier 1 leverage ratio of 9.93%, up 45 bps from a year ago.
  • Funding: loans stand at 109.04% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.24%+42 bps YoY

Net Interest Margin (YTD, annualized)

3.65%+34 bps YoY

Efficiency Ratio (YTD, annualized)

53.20%-944 bps YoY

Tier 1 Leverage Ratio

9.93%+45 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.82%0.88%0.93%1.22%1.24%+42 bps
Return on Equity8.91%9.56%10.04%12.81%12.84%+393 bps
Net Interest Margin3.31%3.35%3.46%3.57%3.65%+34 bps
Efficiency Ratio62.64%61.08%59.89%54.27%53.20%-944 bps
Non-Interest Burden1.90%1.87%1.90%1.59%1.62%-28 bps
Growth
Asset Growth (YoY)3.86%5.30%5.22%6.37%2.62%-124 bps
Loan Growth (YoY)5.27%6.49%5.21%7.56%4.91%-36 bps
Deposit Growth (YoY)3.24%0.81%-0.78%4.50%1.78%-147 bps
Asset Quality
Nonperforming Loans / Loans1.99%2.00%2.11%2.20%2.21%+22 bps
Net Charge-Offs / Loans0.17%0.25%0.19%0.55%0.47%+30 bps
Allowance / Loans1.49%1.44%1.48%1.40%1.39%-9 bps
Allowance Coverage of NPLs0.7x0.7x0.7x0.6x0.6x-0.1x
Capital
Tier 1 Leverage Ratio9.48%9.49%9.80%9.85%9.93%+45 bps
Total Risk-Based Capital12.37%12.48%12.64%12.60%12.80%+42 bps
Equity / Assets9.03%9.39%9.64%9.49%9.77%+74 bps
Liquidity & Funding
Loans / Deposits105.78%106.97%113.74%109.39%109.04%+326 bps
Liquid Assets / Assets4.85%3.86%3.24%4.40%3.51%-135 bps
CRE / Total Capitaln/a480%475%475%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Bankvista

Sartell, MN · Cert 35406 · Peer group: banks under $1B in assets (n=581-629) · Abdo Investments Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$651.1MAssets
$589.5MLoans
$540.6MDeposits
$63.6MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 84% of banks under $1B in assets (rank 99 of 629).
  • Widest gap: net charge-offs / loans trails 93% of banks under $1B in assets (rank 540 of 581).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.22%

Rank 223 of 629

Net Interest Margin

3.65%

Rank 280 of 629

Efficiency Ratio

53.20%

Rank 99 of 629

Equity / Assets

9.77%

Rank 400 of 629

Non-interest income vs. expense

$4.5M$15.0MINCOMEEXPENSE
Unfavorable gap of $10.5M · efficiency ratio beats 84% of banks under $1B in assets
Bank 53.20%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.22%0.60%1.01%1.45%Beats 65%223 / 629
Return on Equity12.52%5.38%9.30%13.28%Beats 70%188 / 629
Net Interest Margin3.65%3.03%3.54%4.05%Beats 55%280 / 629
Efficiency Ratio53.20%58.35%67.79%79.08%Beats 84%99 / 629
Asset Quality
Nonperforming Loans / Loans2.21%0.09%0.46%1.20%Beats 12%515 / 581
Net Charge-Offs / Loans0.24%n/a0.01%0.06%Beats 7%540 / 581
Capital
Tier 1 Capital Ratio11.54%11.24%13.84%18.77%Beats 28%450 / 629
Total Risk-Based Capital Ratio12.80%11.58%14.43%19.66%Beats 36%400 / 629
Equity / Assets9.77%9.09%10.65%13.80%Beats 36%400 / 629
Liquidity & Funding
Loans / Deposits109.04%67.24%80.90%93.48%95th pctl32 / 594
Loans / Assets90.54%53.31%67.71%78.15%99th pctl5 / 629
Brokered Deposits / Depositsn/aNot reported for this institution