Vantage Bank
Kent, MN · Cert 9733 · Peer group: banks under $1B in assets in MN (n=111-113) · Minndak Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
$85.0MAssets
$79.4MLoans
$75.4MDeposits
$7.0MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in MN (rank 36 of 111).
- Widest gap: tier 1 capital ratio trails 93% of banks under $1B in assets in MN (rank 105 of 113).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.41%
Rank 30 of 113
Net Interest Margin
4.30%
Rank 30 of 113
Efficiency Ratio
56.52%
Rank 40 of 113
Equity / Assets
8.24%
Rank 89 of 113
Non-interest income vs. expense
Unfavorable gap of $1.8M · efficiency ratio beats 65% of banks under $1B in assets in MN | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.41% | 0.87% | 1.20% | 1.41% | Beats 73% | 30 / 113 | | |
| Return on Equity | 17.09% | 8.92% | 11.27% | 13.99% | Beats 88% | 14 / 113 | | |
| Net Interest Margin | 4.30% | 3.42% | 3.88% | 4.31% | Beats 73% | 30 / 113 | | |
| Efficiency Ratio | 56.52% | 54.13% | 61.48% | 69.86% | Beats 65% | 40 / 113 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.35% | 0.09% | 0.58% | 1.82% | Beats 59% | 46 / 111 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.04% | Beats 100% | 36 / 111 | | |
| Capital |
| Tier 1 Capital Ratio | 10.12% | 11.53% | 13.31% | 18.13% | Beats 7% | 105 / 113 | | |
| Total Risk-Based Capital Ratio | 11.37% | 12.12% | 14.43% | 19.39% | Beats 17% | 94 / 113 | | |
| Equity / Assets | 8.24% | 8.52% | 10.10% | 11.94% | Beats 21% | 89 / 113 | | |
| Liquidity & Funding |
| Loans / Deposits | 105.18% | 62.08% | 77.32% | 88.06% | 94th pctl | 7 / 111 | | |
| Loans / Assets | 93.32% | 55.01% | 66.35% | 75.50% | 99th pctl | 1 / 113 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |