Vergas, MN · Cert 9747 · Vergas Bcorp Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.30% | 1.53% | 0.16% | 1.13% | 1.62% | +32 bps | |
| Return on Equity | 8.81% | 10.50% | 1.12% | 7.69% | 11.02% | +221 bps | |
| Net Interest Margin | 3.84% | 3.86% | 4.10% | 4.12% | 4.32% | +49 bps | |
| Efficiency Ratio | 61.19% | 55.77% | 64.68% | 54.84% | 58.27% | -293 bps | |
| Non-Interest Burden | 2.32% | 2.11% | 2.62% | 2.20% | 2.49% | +17 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.86% | 7.50% | 6.69% | 9.33% | 8.85% | +699 bps | |
| Loan Growth (YoY) | 25.13% | 22.74% | 30.15% | 22.07% | 18.07% | -706 bps | |
| Deposit Growth (YoY) | 0.35% | 7.12% | 6.06% | 9.23% | 8.77% | +842 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.57% | 0.16% | 0.17% | 0.16% | +16 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.64% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.39% | 1.30% | 1.23% | 1.24% | 1.21% | -18 bps | |
| Allowance Coverage of NPLs | n/a | 2.3x | 7.6x | 7.1x | 7.6x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 15.22% | 14.96% | 14.50% | 14.94% | 15.27% | +5 bps | |
| Total Risk-Based Capital | 15.22% | 14.96% | 14.50% | 14.94% | 15.27% | +5 bps | |
| Equity / Assets | 14.79% | 14.41% | 14.58% | 14.72% | 14.74% | -5 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 62.81% | 63.21% | 69.30% | 68.72% | 68.17% | +537 bps | |
| Liquid Assets / Assets | 13.78% | 19.07% | 18.91% | 18.13% | 16.44% | +266 bps | |
| CRE / Total Capital | n/a | 155.21% | 160.78% | 160.89% | n/a | n/a | |