BlastPoint's Banking Scorecard

VisionBank

$100M-$1B Specialty: Commercial MN FDIC cert 58063

Saint Louis Park, MN

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

VisionBank has 2 strengths but faces 8 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

+ Return on Assets 1.15% above tier average
+ Efficiency Ratio 24.73% below tier average

Key Concerns

Areas that may need attention

- Cost Spiral: Bottom 7.9% in tier
- Liquidity Strain: Bottom 21.0% in tier
- Capital Constraint: Bottom 63.9% in tier
- Delinquency Rate 1.57% above tier average
- Non-Interest-Bearing Deposit Share 14.52% below tier average
- Nonperforming Asset Ratio 1.53% above tier average
- Non-Interest Income / Assets 0.28% below tier average
- Net Interest Margin 0.49% 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 ?	$252.5M -6.8% YoY -1.8% QoQ	-$133.5M	$386.1M +0.5% YoY	$512.9M +5.5% YoY	$6.2B +9.1% YoY	38%
Total Loans ?	$222.5M -6.6% YoY -1.3% QoQ	-$33.2M	$255.7M +1.1% YoY	$288.3M +6.9% YoY	$3.2B +10.8% YoY	54%
Total Deposits ?	$185.8M -7.5% YoY -2.1% QoQ	-$142.1M	$328.0M +0.1% YoY	$443.8M +5.0% YoY	$4.8B +8.2% YoY	31%
Return on Assets ?	2.42% -5.0% YoY +7.0% QoQ	+1.15%	1.27% +12.9% YoY	1.13% +10.7% YoY	1.23% +13.4% YoY	Top 5.5% in tier
Net Interest Margin ?	3.44% -9.9% YoY -13.3% QoQ	-0.49%	3.93% +6.0% YoY	3.93% +7.5% YoY	3.89% +5.7% YoY	28%
Efficiency Ratio ?	40.56% +30.0% YoY +14.5% QoQ	-24.73%	65.29% -4.5% YoY	64.77% -3.3% YoY	66.95% -4.1% YoY	Top 4.7% in tier
Delinquency Rate ?	2.46% -46.4% YoY +182.4% QoQ	+1.57%	0.89% +18.8% YoY	1.04% +28.9% YoY	0.95% +18.8% YoY	Bottom 8.5% in tier
Loan-to-Deposit Ratio ?	119.76% +1.0% YoY +0.8% QoQ	+43.12%	76.64% +0.8% YoY	76.69% -0.4% YoY	76.70% +0.9% YoY	Bottom 1.1% in tier
Non-Interest-Bearing Deposit Share ?	7.50% +50.4% YoY +13.5% QoQ	-14.52%	22.02% -1.0% YoY	21.87% -0.9% YoY	22.01% -1.2% YoY	Bottom 6.4% in tier
Nonperforming Asset Ratio ?	2.17% -46.2% YoY +183.8% QoQ	+1.53%	0.64% +19.7% YoY	0.77% +27.1% YoY	0.67% +19.3% YoY	Bottom 5.5% in tier
Tier 1 Capital Ratio ?	13.03% +11.0% YoY +2.3% QoQ	-2.80%	15.83% +1.5% YoY	15.37% +0.7% YoY	17.06% +0.8% YoY	47%
Non-Interest Income / Assets ?	0.00% -50.5% YoY -84.1% QoQ	-0.28%	0.28% +9.3% YoY	0.16% +5.0% YoY	0.32% +4.1% YoY	Bottom 0.8% 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 (0)

No matched strength signatures this quarter

Concerns (3)

Cost Spiral

risk

#11 of 126 • Bottom 7.9% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature

Efficiency Ratio: 40.56%

(Tier: 65.29%, National: 66.95%)

better than tier avg

126 of 126 Community banks match · 176 nationally

↑ Growing +82 banks QoQ

Liquidity Strain

risk

#136 of 643 • Bottom 21.0% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 119.76%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

Capital Constraint

risk

#70 of 108 • Bottom 63.9% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature

Loan-to-Deposit Ratio: 119.76%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

Tier 1 Capital Ratio: 13.03%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

108 of 108 Community banks match · 148 nationally

↑ Growing +19 banks QoQ | QoQ rank improving

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 (2 metrics)

125

Efficiency Ratio

profitability

Value: 40.56%

Peer Median: 65.29%

#125 of 2664 Top 4.7% in $100M-$1B

147

Return on Assets

profitability

Value: 2.42%

Peer Median: 1.27%

#147 of 2664 Top 5.5% in $100M-$1B

Top Weaknesses (5 metrics)

2644

Non-Interest Income / Assets

revenue_mix

Value: 0.00%

Peer Median: 0.28%

#2644 of 2664 Bottom 0.8% in $100M-$1B

2636

Loan-to-Deposit Ratio

liquidity

Value: 119.76%

Peer Median: 76.64%

#2636 of 2664 Bottom 1.1% in $100M-$1B

2518

Nonperforming Asset Ratio

credit_quality

Value: 2.17%

Peer Median: 0.64%

#2518 of 2664 Bottom 5.5% in $100M-$1B

2494

Non-Interest-Bearing Deposit Share

funding

Value: 7.50%

Peer Median: 22.02%

#2494 of 2664 Bottom 6.4% in $100M-$1B

2430

Delinquency Rate

credit_quality

Value: 2.46%

Peer Median: 0.89%

#2430 of 2654 Bottom 8.5% in $100M-$1B