BlastPoint's Banking Scorecard
Vergas State Bank
Designations: ✓ Community bank
Vergas, 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 +8.8% year over year ($51.5M on the books).
- Delinquency rate 0.16%.
- Return on assets 1.37%.
- Efficiency ratio 56.59% vs a 119.40% peer average.
- Loan-to-deposit ratio 67.35% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Vergas State Bank shows strong momentum with 4 strengths and 8.8% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.38% above tier average
- + Net Interest Margin 0.38% above tier average
- + Efficiency Ratio 62.80% below tier average
- + Delinquency Rate 1.32% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$60.7M
+8.8% YoY
+2.7% QoQ
|
-$1.8M |
$62.4M
-0.0% YoY
|
$524.5M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
46% |
| Total Loans ? |
$34.7M
+18.3% YoY
+2.1% QoQ
|
-$210K |
$34.9M
-0.6% YoY
|
$300.2M
+7.3% YoY
|
$3.2B
+9.4% YoY
|
53% |
| Total Deposits ? |
$51.5M
+8.8% YoY
+2.9% QoQ
|
-$125K |
$51.6M
-0.2% YoY
|
$452.1M
+5.5% YoY
|
$4.9B
+7.3% YoY
|
47% |
| Return on Assets ? |
1.37%
+15.9% YoY
+22.0% QoQ
|
+0.38% |
1.00%
+3.5% YoY
|
1.26%
+17.2% YoY
|
1.30%
+12.1% YoY
|
71% |
| Net Interest Margin ? |
4.30%
+14.5% YoY
+1.7% QoQ
|
+0.38% |
3.91%
+2.3% YoY
|
4.00%
+6.8% YoY
|
3.95%
+4.9% YoY
|
66% |
| Efficiency Ratio ? |
56.59%
-8.3% YoY
+3.2% QoQ
|
-62.80% |
119.40%
+49.6% YoY
|
63.00%
-3.5% YoY
|
70.05%
+2.5% YoY
|
79% |
| Delinquency Rate ? |
0.16%
-8.6% QoQ
|
-1.32% |
1.48%
+31.8% YoY
|
1.01%
+19.3% YoY
|
0.98%
+16.3% YoY
|
62% |
| Loan-to-Deposit Ratio ? |
67.35%
+8.7% YoY
-0.8% QoQ
|
-6.86% |
74.21%
+12.6% YoY
|
78.29%
-0.6% YoY
|
79.03%
+2.3% YoY
|
47% |
| Non-Interest-Bearing Deposit Share ? |
24.72%
-4.9% YoY
-2.6% QoQ
|
+1.23% |
23.49%
+0.6% YoY
|
21.79%
+0.9% YoY
|
21.98%
-0.6% YoY
|
56% |
| Nonperforming Asset Ratio ? |
0.09%
-9.1% QoQ
|
-0.74% |
0.84%
+23.0% YoY
|
0.76%
+16.9% YoY
|
0.69%
+15.8% YoY
|
61% |
| Tier 1 Capital Ratio ? |
15.27%
+0.3% YoY
+2.2% QoQ
|
-11.86% |
27.13%
+3.0% YoY
|
15.35%
-0.4% YoY
|
17.09%
+0.8% YoY
|
49% |
| Non-Interest Income / Assets ? |
0.05%
-1.3% YoY
+56.9% QoQ
|
-1.33% |
1.38%
+6.3% YoY
|
0.31%
+3.9% YoY
|
0.66%
+5.2% YoY
|
16% |
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 |
24.7%
-1.3pp YoY -0.7pp QoQ |
+0.1pp | 24.6% | 21.9% | 22.2% | 54% |
| Brokered Deposits | n/a | n/a | 9.8% | 8.3% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
15.8%
+3.3pp YoY +1.0pp QoQ |
+2.4pp | 13.4% | 14.6% | 12.5% | 71% |
| CRE |
42.4%
+0.6pp YoY +1.1pp QoQ |
+17.2pp | 25.2% | 36.5% | 41.4% | 86% |
| 1-4 Family |
25.3%
-0.1pp YoY -1.7pp QoQ |
-9.7pp | 35.0% | 29.4% | 31.3% | 44% |
| Consumer |
6.9%
-2.0pp YoY -0.8pp QoQ |
-0.8pp | 7.7% | 4.5% | 5.0% | 63% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 16.5% | 19.7% | n/a |
| Leverage Ratio |
15.3%
+0.1pp YoY +0.3pp QoQ |
-2.4pp | 17.7% | 11.0% | 12.6% | 70% |
| Total Capital Ratio | n/a | n/a | 39.7% | 17.6% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
7
-1 (-12.5%) YoY -1 (-12.5%) QoQ |
-5 | 12 | 55 | 482 | 20% |
| Assets per Employee ($) |
$8.7M
+24.4% YoY +17.4% QoQ |
+$2.5M | $6.2M | $8.6M | $8.8M | 86% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 4 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.2%
0.0pp QoQ |
-1.6pp | 1.7% | 1.0% | 1.0% | 18% |
| Allowance Coverage |
7.59x
+7.1% QoQ |
+1.18x | 6.41x | 20.41x | 20.23x | 86% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.2% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
9.4%
+1.2pp YoY +1.7pp QoQ |
+3.0pp | 6.4% | 13.1% | 11.6% | 57% |
| Cost of Funds (YTD) |
1.3%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 1.4% | 1.7% | 1.7% | 47% |
| Net Income ($, YTD) |
$409,000
+25.5% YoY — QoQ |
+$91K | $317,817 | $4.5M | $40.4M | 65% |
Get Full Access to Vergas State Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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.