Vergas State Bank
Vergas, MN · Cert 9747 · Peer group: banks under $1B in assets in MN (n=112-114) · Vergas Bcorp Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
$60.7MAssets
$35.1MLoans
$51.5MDeposits
$8.9MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in MN (rank 36 of 112).
- Widest gap: return on equity trails 74% of banks under $1B in assets in MN (rank 84 of 114).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.35%
Rank 39 of 114
Net Interest Margin
4.21%
Rank 36 of 114
Efficiency Ratio
56.59%
Rank 41 of 114
Equity / Assets
14.74%
Rank 15 of 114
Non-interest income vs. expense
Unfavorable gap of $1.4M · efficiency ratio beats 65% of banks under $1B in assets in MN | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.35% | 0.87% | 1.20% | 1.41% | Beats 66% | 39 / 114 | |
| Return on Equity | 9.15% | 8.92% | 11.27% | 13.99% | Beats 26% | 84 / 114 | |
| Net Interest Margin | 4.21% | 3.39% | 3.88% | 4.31% | Beats 68% | 36 / 114 | |
| Efficiency Ratio | 56.59% | 54.13% | 61.64% | 69.86% | Beats 65% | 41 / 114 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.16% | 0.09% | 0.58% | 1.82% | Beats 69% | 36 / 112 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.04% | Beats 100% | 36 / 112 | |
| Capital |
| Tier 1 Capital Ratio | 15.27% | 11.46% | 13.31% | 18.13% | Beats 62% | 43 / 114 | |
| Total Risk-Based Capital Ratio | 15.27% | 12.01% | 14.43% | 19.39% | Beats 57% | 49 / 114 | |
| Equity / Assets | 14.74% | 8.52% | 10.22% | 11.94% | Beats 87% | 15 / 114 | |
| Liquidity & Funding |
| Loans / Deposits | 68.17% | 62.85% | 77.32% | 88.06% | 31st pctl | 77 / 112 | |
| Loans / Assets | 57.86% | 55.01% | 66.35% | 75.50% | 31st pctl | 79 / 114 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |