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VisionBank

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

Saint Louis Park, 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 -5.0% year over year ($183.6M on the books).
  • Delinquency rate 1.83%.
  • Return on assets 2.13%.
  • Efficiency ratio 40.00% vs a 64.48% peer average.
  • Loan-to-deposit ratio 121.39% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 151 in MN
View $100M-$1B leaderboard (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

  • + Efficiency Ratio 24.48% below tier average
  • + ROA 0.81% above tier average

Key Concerns

Areas that may need attention

  • - Cost Spiral: Bottom 8.7% in tier
  • - Deposit Outflow: Bottom 22.2% in tier
  • - Liquidity Strain: Bottom 34.7% in tier
  • - Margin Compression: Bottom 71.3% in tier
  • - Capital Constraint: Bottom 72.0% in tier
  • - Non-Interest-Bearing Deposit Share 16.29% below tier average
  • - Nonperforming Asset Ratio 1.48% above tier average
  • - Non-Interest Income / Assets 0.55% below tier average
Get updates when VisionBank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Total Assets ? $253.9M
-4.6% YoY +0.5% QoQ
-$132.7M $386.6M
+1.2% YoY
$524.5M
+5.8% YoY
$6.3B
+7.7% YoY
37%
Total Loans ? $222.9M
-3.7% YoY +0.1% QoQ
-$35.5M $258.3M
+1.7% YoY
$300.2M
+7.3% YoY
$3.2B
+9.4% YoY
53%
Total Deposits ? $183.6M
-5.0% YoY -1.2% QoQ
-$143.1M $326.7M
+0.7% YoY
$452.1M
+5.5% YoY
$4.9B
+7.3% YoY
30%
Return on Assets ? 2.13%
-8.5% YoY -11.8% QoQ
+0.81% 1.32%
+10.8% YoY
1.26%
+17.2% YoY
1.30%
+12.1% YoY
Top 10.4% in tier
Net Interest Margin ? 3.67%
-3.5% YoY +6.6% QoQ
-0.31% 3.99%
+5.0% YoY
4.00%
+6.8% YoY
3.95%
+4.9% YoY
35%
Efficiency Ratio ? 40.00%
+25.4% YoY -1.4% QoQ
-24.48% 64.48%
-3.2% YoY
63.00%
-3.5% YoY
70.05%
+2.5% YoY
Top 4.1% in tier
Delinquency Rate ? 1.83%
-28.9% YoY -25.7% QoQ
+0.91% 0.92%
+15.7% YoY
1.01%
+19.3% YoY
0.98%
+16.3% YoY
Bottom 14.4% in tier
Loan-to-Deposit Ratio ? 121.39%
+1.3% YoY +1.4% QoQ
+43.43% 77.95%
+1.0% YoY
78.29%
-0.6% YoY
79.03%
+2.3% YoY
Bottom 1.0% in tier
Non-Interest-Bearing Deposit Share ? 5.74%
-5.0% YoY -23.4% QoQ
-16.29% 22.03%
-0.6% YoY
21.79%
+0.9% YoY
21.98%
-0.6% YoY
Bottom 4.4% in tier
Nonperforming Asset Ratio ? 2.15%
-23.9% YoY -0.9% QoQ
+1.48% 0.67%
+16.4% YoY
0.76%
+16.9% YoY
0.69%
+15.8% YoY
Bottom 6.3% in tier
Tier 1 Capital Ratio ? 12.47%
+0.0% YoY -4.3% QoQ
-3.44% 15.91%
+1.4% YoY
15.35%
-0.4% YoY
17.09%
+0.8% YoY
41%
Non-Interest Income / Assets ? 0.01%
-34.7% YoY +215.0% QoQ
-0.55% 0.57%
+7.6% YoY
0.31%
+3.9% YoY
0.66%
+5.2% YoY
Bottom 1.5% in tier

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 5.7%
-0.3pp YoY
-1.8pp QoQ
 -16.4pp 22.1% 21.9% 22.2% 4%
Brokered Deposits 15.2%
-9.8pp YoY
-4.3pp QoQ
 +7.3pp 7.9% 8.3% 8.5% 85%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
C&I 7.6%
-2.4pp YoY
+0.5pp QoQ
 -4.0pp 11.6% 14.6% 12.5% 37%
CRE 70.0%
+4.6pp YoY
+0.3pp QoQ
 +30.4pp 39.5% 36.5% 41.4% 93%
1-4 Family 21.5%
-2.0pp YoY
-0.6pp QoQ
 -11.2pp 32.6% 29.4% 31.3% 33%
Consumer 0.0%
0.0pp YoY
0.0pp QoQ
 -4.1pp 4.1% 4.5% 5.0% 3%

Capital

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
CET1 Ratio 12.5%
0.0pp YoY
-0.6pp QoQ
 -6.4pp 18.8% 16.5% 19.7% 22%
Leverage Ratio 10.0%
+0.7pp YoY
-0.1pp QoQ
 -2.2pp 12.2% 11.0% 12.6% 31%
Total Capital Ratio 13.4%
0.0pp YoY
-0.6pp QoQ
 -6.5pp 19.9% 17.6% 20.8% 21%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Full-Time Employees 14
+2 (+16.7%) YoY
0 QoQ
 -45 58 55 482 3%
Assets per Employee ($) $18.1M
-18.2% YoY
+0.5% QoQ
 +$10.6M $7.5M $8.6M $8.8M 99%
Branch Count 1
0 YoY
0 QoQ
 -4 4 4 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 1.8%
-0.7pp YoY
-0.6pp QoQ
 +0.9pp 0.9% 1.0% 1.0% 86%
Allowance Coverage 0.46x
+37.4% YoY
+35.0% QoQ
 -23.69x 24.15x 20.41x 20.23x 8%
Net Charge-off Rate (YTD) -0.1%
-0.1pp YoY
+0.1pp QoQ
 -0.3pp 0.1% 0.2% 0.2% 3%

Profitability

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
ROE 21.5%
-3.6pp YoY
-2.7pp QoQ
 +9.3pp 12.2% 13.1% 11.6% 91%
Cost of Funds (YTD) 3.1%
0.0pp YoY
-0.1pp QoQ
 +1.4pp 1.7% 1.7% 1.7% 99%
Net Income ($, YTD) $2.7M
-13.3% YoY
— QoQ
 +$158K $2.6M $4.5M $40.4M 65%

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 (5)

Cost Spiral

risk
#13 of 138 • Bottom 8.7% 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: 40.00%
(Tier: 64.48%, National: 70.05%)
better than tier avg
138 of 138 Community banks match · 184 nationally
→ Stable +9 banks QoQ | QoQ rank declining

Deposit Outflow

decline
#120 of 535 • Bottom 22.2% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ | QoQ rank improving

Liquidity Strain

risk
#241 of 691 • Bottom 34.7% 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: 121.39%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank declining

Margin Compression

decline
#220 of 307 • Bottom 71.3% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 2.13%
(Tier: 1.32%, National: 1.30%)
better than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ

Capital Constraint

risk
#78 of 107 • Bottom 72.0% 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: 121.39%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
Tier 1 Capital Ratio: 12.47%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
107 of 107 Community banks match · 143 nationally
→ Stable -5 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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

109
Efficiency Ratio
profitability
Value: 40.00%
Peer Median: 64.48%
#109 of 2643 Top 4.1% in $100M-$1B
277
Return on Assets
profitability
Value: 2.13%
Peer Median: 1.32%
#277 of 2643 Top 10.4% in $100M-$1B

Top Weaknesses (5 metrics)

2618
Loan-to-Deposit Ratio
liquidity
Value: 121.39%
Peer Median: 77.95%
#2618 of 2643 Bottom 1.0% in $100M-$1B
2605
Non-Interest Income / Assets
revenue_mix
Value: 0.01%
Peer Median: 0.57%
#2605 of 2643 Bottom 1.5% in $100M-$1B
2528
Non-Interest-Bearing Deposit Share
funding
Value: 5.74%
Peer Median: 22.03%
#2528 of 2643 Bottom 4.4% in $100M-$1B
2478
Nonperforming Asset Ratio
credit_quality
Value: 2.15%
Peer Median: 0.67%
#2478 of 2643 Bottom 6.3% in $100M-$1B
2256
Delinquency Rate
credit_quality
Value: 1.83%
Peer Median: 0.92%
#2256 of 2633 Bottom 14.4% in $100M-$1B
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