Vernon Center, MN · Cert 9760 · Vernon Center Bancshares Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
36
Asset Quality
12
Profitability
50
Liquidity
13
Efficiency
76
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.
Vernon Center, MN · Cert 9760 · Vernon Center Bancshares Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
Market Position · Mankato, MN · 2026 SOD (annual) · 13.6% share · #2 of 19 inst. · $0.5B of $3.5B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.53% | 0.53% | 0.78% | 0.79% | 0.80% | 0.80% | 1.02% | 1.01% | +22 bps | |
| Return on Equity | 6.54% | 6.47% | 9.16% | 9.19% | 9.31% | 9.20% | 10.96% | 10.76% | +156 bps | |
| Net Interest Margin | 2.42% | 2.49% | 2.79% | 2.92% | 2.92% | 3.03% | 3.24% | 3.40% | +49 bps | |
| Efficiency Ratio | 69.66% | 71.14% | 63.99% | 64.85% | 63.14% | 63.53% | 58.17% | 58.10% | -674 bps | |
| Non-Interest Burden | 1.61% | 1.69% | 1.71% | 1.82% | 1.78% | 1.86% | 1.83% | 1.90% | +8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.72% | 0.58% | 0.51% | -0.02% | 1.09% | 0.52% | -1.00% | -1.31% | -130 bps | |
| Loan Growth (YoY) | 8.96% | 2.87% | -1.27% | -3.18% | -6.14% | -5.32% | -3.97% | -3.58% | -40 bps | |
| Deposit Growth (YoY) | 8.28% | 4.26% | 9.37% | 5.81% | 5.43% | 3.53% | -1.21% | 0.87% | -494 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.11% | 2.13% | 2.19% | 2.21% | 2.36% | 2.22% | 2.26% | 2.15% | -6 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.02% | 0.00% | 0.00% | 0.02% | 0.01% | 0.00% | 0.26% | +26 bps | |
| Allowance / Loans | 0.91% | 0.93% | 0.95% | 0.96% | 1.01% | 1.04% | 1.05% | 0.98% | +2 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.4x | 0.4x | 0.4x | 0.4x | 0.5x | 0.5x | 0.5x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.20% | 8.32% | 8.47% | 8.66% | 8.69% | 8.99% | 9.30% | 9.49% | +82 bps | |
| Total Risk-Based Capital | 11.01% | 11.42% | 11.84% | 12.19% | 12.54% | 12.86% | 13.16% | 13.23% | +103 bps | |
| Equity / Assets | 8.27% | 8.49% | 8.52% | 8.72% | 8.83% | 9.20% | 9.39% | 9.49% | +77 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 113.70% | 111.78% | 104.09% | 104.99% | 101.22% | 102.22% | 101.17% | 100.36% | -463 bps | |
| Liquid Assets / Assets | 0.97% | 0.97% | 1.03% | 0.88% | 0.92% | 1.01% | 1.47% | 1.34% | +46 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 665% | 648% | 631% | n/a | n/a | |
Vernon Center, MN · Cert 9760 · Peer group: banks under $1B in assets (n=581-629) · Vernon Center Bancshares Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
Return on Assets
1.01%
Rank 315 of 629
Net Interest Margin
3.40%
Rank 360 of 629
Efficiency Ratio
58.10%
Rank 152 of 629
Equity / Assets
9.49%
Rank 429 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.01% | 0.60% | 1.01% | 1.45% | Beats 50% | 315 / 629 | ||
| Return on Equity | 10.65% | 5.38% | 9.30% | 13.28% | Beats 58% | 265 / 629 | ||
| Net Interest Margin | 3.40% | 3.03% | 3.54% | 4.05% | Beats 43% | 360 / 629 | ||
| Efficiency Ratio | 58.10% | 58.35% | 67.79% | 79.08% | Beats 76% | 152 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.15% | 0.09% | 0.46% | 1.20% | Beats 12% | 511 / 581 | ||
| Net Charge-Offs / Loans | 0.13% | n/a | 0.01% | 0.06% | Beats 12% | 511 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.10% | 11.24% | 13.84% | 18.77% | Beats 34% | 412 / 629 | ||
| Total Risk-Based Capital Ratio | 13.23% | 11.58% | 14.43% | 19.66% | Beats 41% | 373 / 629 | ||
| Equity / Assets | 9.49% | 9.09% | 10.65% | 13.80% | Beats 32% | 429 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 100.36% | 67.24% | 80.90% | 93.48% | 87th pctl | 78 / 594 | ||
| Loans / Assets | 88.34% | 53.31% | 67.71% | 78.15% | 97th pctl | 17 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||