BlastPoint's Banking Scorecard

Vantage Bank

under $100M Specialty: Commercial MN FDIC cert 9733

Designations: ✓ Community bank

Kent, MN

2 branches across MN

537 banks in the under $100M peer group nationally 54 in MN

Vantage Bank has 5 strengths but faces 1 concern

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

+ Delinquency Rate 1.36% below tier average
+ Nonperforming Asset Ratio 0.77% below tier average
+ ROA 0.89% above tier average
+ Net Interest Margin 0.63% above tier average
+ Efficiency Ratio 31.02% below tier average

Key Concerns

Areas that may need attention

- Loan-to-Deposit Ratio 35.81% above tier average

Get updates when Vantage Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Total Assets ?	$80.8M +13.8% YoY +5.9% QoQ	+$18.5M	$62.3M -0.5% YoY	$514.9M +5.5% YoY	$6.2B +9.0% YoY	72%
Total Loans ?	$72.7M +9.5% YoY +1.4% QoQ	+$38.4M	$34.3M -1.5% YoY	$289.5M +6.9% YoY	$3.2B +10.7% YoY	Top 3.4% in tier
Total Deposits ?	$72.8M +23.8% YoY +6.5% QoQ	+$21.0M	$51.8M -0.6% YoY	$445.6M +5.0% YoY	$4.8B +8.0% YoY	78%
Return on Assets ?	1.74% +11.3% YoY +5.7% QoQ	+0.89%	0.86% -3.6% YoY	1.14% +11.1% YoY	1.24% +13.1% YoY	85%
Net Interest Margin ?	4.50% -1.3% YoY -2.4% QoQ	+0.63%	3.87% +2.7% YoY	3.93% +7.5% YoY	3.89% +5.7% YoY	77%
Efficiency Ratio ?	56.61% -4.3% YoY -7.2% QoQ	-31.02%	87.63% +2.3% YoY	64.52% -3.4% YoY	66.84% -3.8% YoY	81%
Delinquency Rate ?	0.00%	-1.36%	1.36% +33.7% YoY	1.04% +28.5% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	99.92% -11.6% YoY -4.8% QoQ	+35.81%	64.11% -0.9% YoY	76.74% -0.5% YoY	76.69% +0.9% YoY	Bottom 7.3% in tier
Non-Interest-Bearing Deposit Share ?	20.38% -4.3% YoY +6.5% QoQ	-3.41%	23.79% +0.5% YoY	21.89% -0.8% YoY	22.01% -1.1% YoY	39%
Nonperforming Asset Ratio ?	0.00%	-0.77%	0.77% +28.7% YoY	0.77% +26.8% YoY	0.66% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	11.25% +3.7% YoY +0.8% QoQ	-15.52%	26.77% +2.0% YoY	15.37% +0.7% YoY	17.06% +0.8% YoY	15%
Non-Interest Income / Assets ?	0.09% -0.3% YoY -77.4% QoQ	-0.58%	0.67% +1.6% YoY	0.15% +3.6% YoY	0.32% +4.0% YoY	67%

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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 (0)

No matched concern signatures this quarter

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 537 peers in under $100M

Top Strengths (7 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 1.36%

#1 of 517 Top 0.1% in under $100M

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.77%

#1 of 537 Top 0.1% in under $100M

Total Loans

size

Value: $72.73M

Peer Median: $34.29M

#19 of 537 Top 3.4% in under $100M

Return on Assets

profitability

Value: 1.74%

Peer Median: 0.86%

#82 of 537 Top 15.1% in under $100M

101

Efficiency Ratio

profitability

Value: 56.61%

Peer Median: 87.63%

#101 of 537 Top 18.6% in under $100M

118

Total Deposits

size

Value: $72.79M

Peer Median: $51.83M

#118 of 537 Top 21.8% in under $100M

124

Net Interest Margin

profitability

Value: 4.50%

Peer Median: 3.87%

#124 of 537 Top 22.9% in under $100M

Top Weaknesses (2 metrics)

499

Loan-to-Deposit Ratio

liquidity

Value: 99.92%

Peer Median: 64.11%

#499 of 537 Bottom 7.3% in under $100M

456

Tier 1 Capital Ratio

capital

Value: 11.25%

Peer Median: 26.77%

#456 of 537 Bottom 15.3% in under $100M