BlastPoint's Banking Scorecard
Vantage Bank
Designations: ✓ Community bank
Kent, MN
2 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 536 banks in the under $100M peer group nationwide — 1 of 52 in MN.
- Deposits +23.4% year over year ($75.4M on the books).
- Delinquency rate 0.36%.
- Return on assets 1.84%.
- Efficiency ratio 56.52% vs a 119.40% peer average.
- Loan-to-deposit ratio 104.02% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Vantage Bank has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.84% above tier average
- + Net Interest Margin 0.57% above tier average
- + Efficiency Ratio 62.87% below tier average
- + Delinquency Rate 1.12% below tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 29.81% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$85.0M
+13.6% YoY
+5.3% QoQ
|
+$22.6M |
$62.4M
-0.0% YoY
|
$524.5M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
78% |
| Total Loans ? |
$78.5M
+13.8% YoY
+7.9% QoQ
|
+$43.6M |
$34.9M
-0.6% YoY
|
$300.2M
+7.3% YoY
|
$3.2B
+9.4% YoY
|
Top 1.5% in tier |
| Total Deposits ? |
$75.4M
+23.4% YoY
+3.6% QoQ
|
+$23.8M |
$51.6M
-0.2% YoY
|
$452.1M
+5.5% YoY
|
$4.9B
+7.3% YoY
|
85% |
| Return on Assets ? |
1.84%
+9.9% YoY
+5.4% QoQ
|
+0.84% |
1.00%
+3.5% YoY
|
1.26%
+17.2% YoY
|
1.30%
+12.1% YoY
|
Top 14.0% in tier |
| Net Interest Margin ? |
4.49%
-0.9% YoY
-0.3% QoQ
|
+0.57% |
3.91%
+2.3% YoY
|
4.00%
+6.8% YoY
|
3.95%
+4.9% YoY
|
74% |
| Efficiency Ratio ? |
56.52%
-3.9% YoY
-0.1% QoQ
|
-62.87% |
119.40%
+49.6% YoY
|
63.00%
-3.5% YoY
|
70.05%
+2.5% YoY
|
80% |
| Delinquency Rate ? | 0.36% | -1.12% |
1.48%
+31.8% YoY
|
1.01%
+19.3% YoY
|
0.98%
+16.3% YoY
|
54% |
| Loan-to-Deposit Ratio ? |
104.02%
-7.8% YoY
+4.1% QoQ
|
+29.81% |
74.21%
+12.6% YoY
|
78.29%
-0.6% YoY
|
79.03%
+2.3% YoY
|
Bottom 6.3% in tier |
| Non-Interest-Bearing Deposit Share ? |
23.02%
+12.8% YoY
+13.0% QoQ
|
-0.47% |
23.49%
+0.6% YoY
|
21.79%
+0.9% YoY
|
21.98%
-0.6% YoY
|
49% |
| Nonperforming Asset Ratio ? | 0.33% | -0.51% |
0.84%
+23.0% YoY
|
0.76%
+16.9% YoY
|
0.69%
+15.8% YoY
|
47% |
| Tier 1 Capital Ratio ? |
10.12%
-1.0% YoY
-10.1% QoQ
|
-17.01% |
27.13%
+3.0% YoY
|
15.35%
-0.4% YoY
|
17.09%
+0.8% YoY
|
Bottom 6.9% in tier |
| Non-Interest Income / Assets ? |
0.23%
+7.0% YoY
+139.9% QoQ
|
-1.15% |
1.38%
+6.3% YoY
|
0.31%
+3.9% YoY
|
0.66%
+5.2% YoY
|
75% |
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 |
23.0%
+2.6pp YoY +2.6pp QoQ |
-1.6pp | 24.6% | 21.9% | 22.2% | 46% |
| Brokered Deposits |
0.7%
-2.6pp YoY |
-9.1pp | 9.8% | 8.3% | 8.5% | 12% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
11.8%
-1.1pp YoY -2.0pp QoQ |
-1.6pp | 13.4% | 14.6% | 12.5% | 58% |
| CRE |
21.7%
-1.7pp YoY +0.4pp QoQ |
-3.5pp | 25.2% | 36.5% | 41.4% | 55% |
| 1-4 Family |
62.2%
+5.1pp YoY +1.2pp QoQ |
+27.2pp | 35.0% | 29.4% | 31.3% | 82% |
| Consumer |
3.4%
-1.9pp YoY -0.1pp QoQ |
-4.3pp | 7.7% | 4.5% | 5.0% | 35% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
10.1%
-0.1pp YoY -1.1pp QoQ |
-28.6pp | 38.7% | 16.5% | 19.7% | 2% |
| Leverage Ratio |
8.5%
-0.1pp YoY -0.7pp QoQ |
-9.2pp | 17.7% | 11.0% | 12.6% | 6% |
| Total Capital Ratio |
11.4%
-0.1pp YoY -1.1pp QoQ |
-28.3pp | 39.7% | 17.6% | 20.8% | 2% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
10
-1 (-9.1%) YoY -1 (-9.1%) QoQ |
-2 | 12 | 55 | 482 | 43% |
| Assets per Employee ($) |
$8.5M
+25.0% YoY +15.8% QoQ |
+$2.3M | $6.2M | $8.6M | $8.8M | 84% |
| Branch Count |
2
0 YoY 0 QoQ |
+0 | 1 | 4 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.4% | 0.4% | n/a |
| Nonaccrual | 0.4% | -1.4pp | 1.7% | 1.0% | 1.0% | 33% |
| Allowance Coverage | 3.10x | -3.31x | 6.41x | 20.41x | 20.23x | 72% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.2% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
20.8%
+1.9pp YoY +1.8pp QoQ |
+14.4pp | 6.4% | 13.1% | 11.6% | 95% |
| Cost of Funds (YTD) |
1.7%
-0.1pp YoY 0.0pp QoQ |
+0.3pp | 1.4% | 1.7% | 1.7% | 70% |
| Net Income ($, YTD) |
$741,000
+22.7% YoY — QoQ |
+$423K | $317,817 | $4.5M | $40.4M | 90% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.