BlastPoint's Banking Scorecard

Vergas State Bank

under $100M Specialty: Commercial MN FDIC cert 9747

Designations: ✓ Community bank

Vergas, MN

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

Vergas State Bank shows strong momentum with 4 strengths and 9.3% YoY asset growth

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

+ ROA 0.27% above tier average
+ Net Interest Margin 0.36% above tier average
+ Efficiency Ratio 32.79% below tier average
+ Delinquency Rate 1.18% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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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 ?	$59.1M +9.3% YoY +0.6% QoQ	-$3.2M	$62.3M -0.5% YoY	$514.9M +5.5% YoY	$6.2B +9.0% YoY	45%
Total Loans ?	$34.0M +22.4% YoY -0.6% QoQ	-$311K	$34.3M -1.5% YoY	$289.5M +6.9% YoY	$3.2B +10.7% YoY	53%
Total Deposits ?	$50.1M +9.2% YoY +0.3% QoQ	-$1.8M	$51.8M -0.6% YoY	$445.6M +5.0% YoY	$4.8B +8.0% YoY	45%
Return on Assets ?	1.13% +4.6% YoY +11.8% QoQ	+0.27%	0.86% -3.6% YoY	1.14% +11.1% YoY	1.24% +13.1% YoY	59%
Net Interest Margin ?	4.22% +18.2% YoY +7.2% QoQ	+0.36%	3.87% +2.7% YoY	3.93% +7.5% YoY	3.89% +5.7% YoY	66%
Efficiency Ratio ?	54.84% -11.9% YoY -10.1% QoQ	-32.79%	87.63% +2.3% YoY	64.52% -3.4% YoY	66.84% -3.8% YoY	Top 14.7% in tier
Delinquency Rate ?	0.18% +7.7% QoQ	-1.18%	1.36% +33.7% YoY	1.04% +28.5% YoY	0.95% +18.8% YoY	61%
Loan-to-Deposit Ratio ?	67.87% +12.0% YoY -0.8% QoQ	+3.76%	64.11% -0.9% YoY	76.74% -0.5% YoY	76.69% +0.9% YoY	47%
Non-Interest-Bearing Deposit Share ?	25.38% -1.6% YoY -1.9% QoQ	+1.59%	23.79% +0.5% YoY	21.89% -0.8% YoY	22.01% -1.1% YoY	57%
Nonperforming Asset Ratio ?	0.10% +6.5% QoQ	-0.67%	0.77% +28.7% YoY	0.77% +26.8% YoY	0.66% +19.3% YoY	60%
Tier 1 Capital Ratio ?	14.94% +0.2% YoY +3.0% QoQ	-11.83%	26.77% +2.0% YoY	15.37% +0.7% YoY	17.06% +0.8% YoY	46%
Non-Interest Income / Assets ?	0.03% +2.9% YoY -66.2% QoQ	-0.64%	0.67% +1.6% YoY	0.15% +3.6% YoY	0.32% +4.0% YoY	23%

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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 (1 metrics)

Efficiency Ratio

profitability

Value: 54.84%

Peer Median: 87.63%

#80 of 537 Top 14.7% in under $100M

Top Weaknesses (1 metrics)

414

Non-Interest Income / Assets

revenue_mix

Value: 0.03%

Peer Median: 0.67%

#414 of 537 Bottom 23.1% in under $100M