BlastPoint's Banking Scorecard
Vermillion State Bank
Vermillion, MN
6 branches across MN
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 151 in MN.
- Deposits +4.8% year over year ($806.6M on the books).
- Delinquency rate 0.24%.
- Return on assets 2.56%.
- Efficiency ratio 23.23% vs a 64.48% peer average.
- Loan-to-deposit ratio 51.72% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Vermillion State Bank has 3 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 33.6% in tier
- + Efficiency Ratio 41.25% below tier average
- + Delinquency Rate 0.67% below tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 15.8% in tier
- - Credit Quality Pressure: Bottom 26.9% in tier
- - NIB Deposit Bleed: Bottom 63.0% in tier
- - Net Interest Margin 0.73% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$931.4M
+5.3% YoY
-0.6% QoQ
|
+$544.8M |
$386.6M
+1.2% YoY
|
$524.5M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
Top 2.6% in tier |
| Total Loans ? |
$417.2M
+3.8% YoY
+2.7% QoQ
|
+$158.8M |
$258.3M
+1.7% YoY
|
$300.2M
+7.3% YoY
|
$3.2B
+9.4% YoY
|
81% |
| Total Deposits ? |
$806.6M
+4.8% YoY
-0.8% QoQ
|
+$479.9M |
$326.7M
+0.7% YoY
|
$452.1M
+5.5% YoY
|
$4.9B
+7.3% YoY
|
Top 1.9% in tier |
| Return on Assets ? |
2.56%
+4.1% YoY
+1.3% QoQ
|
+1.23% |
1.32%
+10.8% YoY
|
1.26%
+17.2% YoY
|
1.30%
+12.1% YoY
|
Top 4.1% in tier |
| Net Interest Margin ? |
3.26%
-2.6% YoY
+0.5% QoQ
|
-0.73% |
3.99%
+5.0% YoY
|
4.00%
+6.8% YoY
|
3.95%
+4.9% YoY
|
18% |
| Efficiency Ratio ? |
23.23%
-14.3% YoY
-3.0% QoQ
|
-41.25% |
64.48%
-3.2% YoY
|
63.00%
-3.5% YoY
|
70.05%
+2.5% YoY
|
Top 0.3% in tier |
| Delinquency Rate ? |
0.24%
+189.7% YoY
-22.4% QoQ
|
-0.67% |
0.92%
+15.7% YoY
|
1.01%
+19.3% YoY
|
0.98%
+16.3% YoY
|
62% |
| Loan-to-Deposit Ratio ? |
51.72%
-1.0% YoY
+3.5% QoQ
|
-26.23% |
77.95%
+1.0% YoY
|
78.29%
-0.6% YoY
|
79.03%
+2.3% YoY
|
Top 9.5% in tier |
| Non-Interest-Bearing Deposit Share ? |
15.12%
-15.4% YoY
-1.2% QoQ
|
-6.91% |
22.03%
-0.6% YoY
|
21.79%
+0.9% YoY
|
21.98%
-0.6% YoY
|
25% |
| Nonperforming Asset Ratio ? |
0.20%
+50.8% YoY
-11.9% QoQ
|
-0.47% |
0.67%
+16.4% YoY
|
0.76%
+16.9% YoY
|
0.69%
+15.8% YoY
|
61% |
| Tier 1 Capital Ratio ? |
13.40%
+4.8% YoY
+2.2% QoQ
|
-2.51% |
15.91%
+1.4% YoY
|
15.35%
-0.4% YoY
|
17.09%
+0.8% YoY
|
52% |
| Non-Interest Income / Assets ? |
0.08%
+8.5% YoY
+104.3% QoQ
|
-0.49% |
0.57%
+7.6% YoY
|
0.31%
+3.9% YoY
|
0.66%
+5.2% YoY
|
Bottom 11.7% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
15.1%
-2.8pp YoY -0.2pp QoQ |
-7.0pp | 22.1% | 21.9% | 22.2% | 25% |
| Brokered Deposits | n/a | n/a | 7.9% | 8.3% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
17.3%
-0.5pp YoY +0.3pp QoQ |
+5.8pp | 11.6% | 14.6% | 12.5% | 83% |
| CRE |
28.0%
-0.2pp YoY 0.0pp QoQ |
-11.5pp | 39.5% | 36.5% | 41.4% | 31% |
| 1-4 Family |
36.9%
+0.9pp YoY +0.1pp QoQ |
+4.2pp | 32.6% | 29.4% | 31.3% | 65% |
| Consumer |
2.3%
-0.3pp YoY +0.1pp QoQ |
-1.8pp | 4.1% | 4.5% | 5.0% | 52% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 16.5% | 19.7% | n/a |
| Leverage Ratio |
13.4%
+0.6pp YoY +0.3pp QoQ |
+1.2pp | 12.2% | 11.0% | 12.6% | 78% |
| Total Capital Ratio | n/a | n/a | 19.9% | 17.6% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
33
-4 (-10.8%) YoY -4 (-10.8%) QoQ |
-26 | 58 | 55 | 482 | 31% |
| Assets per Employee ($) |
$28.2M
+18.1% YoY +11.5% QoQ |
+$20.7M | $7.5M | $8.6M | $8.8M | 100% |
| Branch Count |
6
0 YoY 0 QoQ |
+1 | 4 | 4 | 18 | 66% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
-0.1pp YoY -0.2pp QoQ |
-0.3pp | 0.3% | 0.4% | 0.4% | 8% |
| Nonaccrual |
0.2%
+0.1pp QoQ |
-0.7pp | 0.9% | 1.0% | 1.0% | 33% |
| Allowance Coverage |
6.51x
-68.4% YoY +26.7% QoQ |
-17.64x | 24.15x | 20.41x | 20.23x | 75% |
| Net Charge-off Rate (YTD) |
-0.1%
+0.2pp YoY +0.1pp QoQ |
-0.3pp | 0.1% | 0.2% | 0.2% | 2% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
19.8%
+0.2pp YoY +0.2pp QoQ |
+7.6pp | 12.2% | 13.1% | 11.6% | 88% |
| Cost of Funds (YTD) |
1.9%
-0.1pp YoY 0.0pp QoQ |
+0.2pp | 1.7% | 1.7% | 1.7% | 66% |
| Net Income ($, YTD) |
$11.9M
+12.5% YoY — QoQ |
+$9.4M | $2.6M | $4.5M | $40.4M | 99% |
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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 (1)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.