BlastPoint's Banking Scorecard

Vermillion State Bank

$100M-$1B Specialty: Other MN FDIC cert 10214

Vermillion, MN

6 branches across MN

2664 banks in the $100M-$1B peer group nationally 152 in MN

Vermillion State Bank has 3 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Profitability Leader: Top 42.2% in tier
+ Efficiency Ratio 41.33% below tier average
+ Delinquency Rate 0.57% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 16.8% in tier
- Credit Quality Pressure: Bottom 40.3% in tier
- Net Interest Margin 0.69% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Total Assets ?	$936.6M +9.1% YoY +0.6% QoQ	+$550.6M	$386.1M +0.5% YoY	$512.9M +5.5% YoY	$6.2B +9.1% YoY	Top 2.5% in tier
Total Loans ?	$406.2M +2.4% YoY -0.6% QoQ	+$150.5M	$255.7M +1.1% YoY	$288.3M +6.9% YoY	$3.2B +10.8% YoY	80%
Total Deposits ?	$812.7M +9.1% YoY +0.5% QoQ	+$484.8M	$328.0M +0.1% YoY	$443.8M +5.0% YoY	$4.8B +8.2% YoY	Top 2.0% in tier
Return on Assets ?	2.52% +2.2% YoY +10.1% QoQ	+1.25%	1.27% +12.9% YoY	1.13% +10.7% YoY	1.23% +13.4% YoY	Top 4.3% in tier
Net Interest Margin ?	3.24% -0.7% YoY -5.2% QoQ	-0.69%	3.93% +6.0% YoY	3.93% +7.5% YoY	3.89% +5.7% YoY	19%
Efficiency Ratio ?	23.95% -2.0% YoY -29.4% QoQ	-41.33%	65.29% -4.5% YoY	64.77% -3.3% YoY	66.95% -4.1% YoY	Top 0.4% in tier
Delinquency Rate ?	0.31% -9.0% QoQ	-0.57%	0.89% +18.8% YoY	1.04% +28.9% YoY	0.95% +18.8% YoY	56%
Loan-to-Deposit Ratio ?	49.98% -6.2% YoY -1.1% QoQ	-26.66%	76.64% +0.8% YoY	76.69% -0.4% YoY	76.70% +0.9% YoY	Top 9.4% in tier
Non-Interest-Bearing Deposit Share ?	15.30% -3.9% YoY -4.8% QoQ	-6.72%	22.02% -1.0% YoY	21.87% -0.9% YoY	22.01% -1.2% YoY	25%
Nonperforming Asset Ratio ?	0.22% +133.0% YoY -6.6% QoQ	-0.41%	0.64% +19.7% YoY	0.77% +27.1% YoY	0.67% +19.3% YoY	57%
Tier 1 Capital Ratio ?	13.11% +0.3% YoY +2.9% QoQ	-2.72%	15.83% +1.5% YoY	15.37% +0.7% YoY	17.06% +0.8% YoY	48%
Non-Interest Income / Assets ?	0.04% +2.8% YoY -74.8% QoQ	-0.24%	0.28% +9.3% YoY	0.16% +5.0% YoY	0.32% +4.1% YoY	Bottom 11.9% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Profitability Leader

growth

#282 of 666 • Top 42.2% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.52%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Concerns (2)

Credit Risk Growth

risk

#164 of 973 • Bottom 16.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank declining

Credit Quality Pressure

risk

#528 of 1308 • Bottom 40.3% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.31%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (6 metrics)

Efficiency Ratio

profitability

Value: 23.95%

Peer Median: 65.29%

#11 of 2664 Top 0.4% in $100M-$1B

Total Deposits

size

Value: $812.73M

Peer Median: $327.97M

#53 of 2664 Top 2.0% in $100M-$1B

Total Assets

size

Value: $936.64M

Peer Median: $386.08M

#68 of 2664 Top 2.5% in $100M-$1B

115

Return on Assets

profitability

Value: 2.52%

Peer Median: 1.27%

#115 of 2664 Top 4.3% in $100M-$1B

251

Loan-to-Deposit Ratio

liquidity

Value: 49.98%

Peer Median: 76.64%

#251 of 2664 Top 9.4% in $100M-$1B

534

Total Loans

size

Value: $406.19M

Peer Median: $255.72M

#534 of 2664 Top 20.0% in $100M-$1B

Top Weaknesses (2 metrics)

2347

Non-Interest Income / Assets

revenue_mix

Value: 0.04%

Peer Median: 0.28%

#2347 of 2664 Bottom 11.9% in $100M-$1B

2151

Net Interest Margin

profitability

Value: 3.24%

Peer Median: 3.93%

#2151 of 2664 Bottom 19.3% in $100M-$1B