BlastPoint's Banking Scorecard
Vermillion State Bank
Community
Specialty: Other
MN
FDIC cert 10214
Vermillion, MN
1484
banks in Community tier nationally
45 in MN
View Community leaderboard (MN) →
Vermillion State Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 15% in Community
- + Efficiency Ratio 28.70% below tier
- + Loan-to-Deposit Ratio 32.55% below tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 14% in Community
- - Non-Interest Income / Assets 0.59% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$931.2M
+9.9% YoY
+2.6% QoQ
|
-$460.2M |
$1.4B
+2.0% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
45% |
| Total Loans ? |
$408.5M
+3.1% YoY
+1.0% QoQ
|
-$567.0M |
$975.5M
+2.4% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
16% |
| Total Deposits ? |
$808.7M
+9.3% YoY
+2.6% QoQ
|
-$355.9M |
$1.2B
+1.7% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
47% |
| Return on Assets ? |
2.29%
+15.9% YoY
-10.2% QoQ
|
+1.13% |
1.16%
+17.2% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
Top 5% in tier |
| Net Interest Margin ? |
3.42%
+16.8% YoY
+0.9% QoQ
|
-0.24% |
3.66%
+9.1% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
38% |
| Efficiency Ratio ? |
33.93%
-6.1% YoY
+32.8% QoQ
|
-28.70% |
62.63%
-5.3% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
Top 2% in tier |
| Delinquency Rate ? |
0.35%
+85.0% YoY
+16.1% QoQ
|
-0.28% |
0.63%
+18.3% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
57% |
| Loan-to-Deposit Ratio ? |
50.51%
-5.6% YoY
-1.6% QoQ
|
-32.55% |
83.06%
+0.3% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
Top 4% in tier |
| Non-Interest-Bearing Deposit Share ? |
16.08%
-4.0% YoY
-6.1% QoQ
|
-4.97% |
21.05%
-0.9% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
30% |
| Nonperforming Asset Ratio ? |
0.24%
+30.2% YoY
+7.4% QoQ
|
-0.26% |
0.50%
+20.3% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
60% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.15%
-33.5% YoY
+38.4% QoQ
|
-0.59% |
0.74%
-1.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
Bottom 6% in tier |
Signature Analysis
Strengths (3)
Profitability Leader
growth
#57 of 371 · Top 15% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
2.29%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank declining
Efficiency Ratio
metric
Top 2%
in Community
Why this stands out
Current:
33.93%
(Tier avg: 62.63%, National avg: 65.09%)
Loan-to-Deposit Ratio
metric
Top 4%
in Community
Why this stands out
Current:
50.51%
(Tier avg: 83.06%, National avg: 78.04%)
Concerns (2)
Credit Risk Growth
risk
#92 of 642 · Bottom 14% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
Non-Interest Income / Assets
metric
Bottom 6%
in Community
Why this stands out
Current:
0.15%
(Tier avg: 0.74%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
98
98th pctile
Efficiency Ratio
Current: 33.93% · Tier avg: 62.63%
96
96th pctile
Loan-to-Deposit Ratio
Current: 50.51% · Tier avg: 83.06%
95
95th pctile
Return on Assets
Current: 2.29% · Tier avg: 1.16%
60
60th pctile
Nonperforming Asset Ratio
Current: 0.24% · Tier avg: 0.50%
57
57th pctile
Delinquency Rate
Current: 0.35% · Tier avg: 0.63%
47
47th pctile
Total Deposits
Current: $808.7M · Tier avg: $1.2B
45
45th pctile
Total Assets
Current: $931.2M · Tier avg: $1.4B
38
38th pctile
Net Interest Margin
Current: 3.42% · Tier avg: 3.66%
30
30th pctile
Non-Interest-Bearing Deposit Share
Current: 16.08% · Tier avg: 21.05%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
16
16th pctile
Total Loans
Current: $408.5M · Tier avg: $975.5M
6
6th pctile
Non-Interest Income / Assets
Current: 0.15% · Tier avg: 0.74%
Top Weaknesses
6
6th pctile
Non-Interest Income / Assets
Current: 0.15% · Tier avg: 0.74%
16
16th pctile
Total Loans
Current: $408.5M · Tier avg: $975.5M
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
30
30th pctile
Non-Interest-Bearing Deposit Share
Current: 16.08% · Tier avg: 21.05%
38
38th pctile
Net Interest Margin
Current: 3.42% · Tier avg: 3.66%
45
45th pctile
Total Assets
Current: $931.2M · Tier avg: $1.4B
47
47th pctile
Total Deposits
Current: $808.7M · Tier avg: $1.2B
57
57th pctile
Delinquency Rate
Current: 0.35% · Tier avg: 0.63%
60
60th pctile
Nonperforming Asset Ratio
Current: 0.24% · Tier avg: 0.50%
95
95th pctile
Return on Assets
Current: 2.29% · Tier avg: 1.16%
96
96th pctile
Loan-to-Deposit Ratio
Current: 50.51% · Tier avg: 83.06%
98
98th pctile
Efficiency Ratio
Current: 33.93% · Tier avg: 62.63%