BlastPoint's Banking Scorecard
VisionBank
Micro
Specialty: Commercial
MN
FDIC cert 58063
Designations: ✓ Community bank
Saint Louis Park, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
VisionBank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.17% above tier
- + Efficiency Ratio 32.29% below tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 44.32% above tier
- - Non-Interest-Bearing Deposit Share 15.79% below tier
- - Non-Interest Income / Assets 0.53% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$257.2M
-4.4% YoY
-1.7% QoQ
|
+$39.7M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
64% |
| Total Loans ? |
$225.5M
-4.5% YoY
+4.4% QoQ
|
+$86.3M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
80% |
| Total Deposits ? |
$189.7M
-3.2% YoY
-2.9% QoQ
|
+$6.1M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
57% |
| Return on Assets ? |
2.26%
+16.1% YoY
-1.1% QoQ
|
+1.17% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
Top 6% in tier |
| Net Interest Margin ? |
3.97%
+9.4% YoY
+4.5% QoQ
|
+0.12% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
57% |
| Efficiency Ratio ? |
35.43%
-1.8% YoY
+4.8% QoQ
|
-32.29% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
Top 1% in tier |
| Delinquency Rate ? |
0.87%
-83.8% YoY
-44.4% QoQ
|
+0.23% |
0.64%
+24.4% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
32% |
| Loan-to-Deposit Ratio ? |
118.85%
-1.4% YoY
+7.6% QoQ
|
+44.32% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
Bottom 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
6.61%
+19.2% YoY
-10.4% QoQ
|
-15.79% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
Bottom 7% in tier |
| Nonperforming Asset Ratio ? |
0.76%
-84.5% YoY
-45.2% QoQ
|
+0.31% |
0.45%
+25.1% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
26% |
| Tier 1 Capital Ratio ? |
12.74%
+9.8% YoY
-4.3% QoQ
|
+3.89% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
62% |
| Non-Interest Income / Assets ? |
0.03%
-12.4% YoY
+5.8% QoQ
|
-0.53% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
Bottom 2% in tier |
Signature Analysis
Strengths (2)
Return on Assets
metric
Top 6%
in Micro
Why this stands out
Current:
2.26%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
35.43%
(Tier avg: 67.73%, National avg: 65.09%)
Concerns (3)
Loan-to-Deposit Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
118.85%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Bottom 7%
in Micro
Why this stands out
Current:
6.61%
(Tier avg: 22.39%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Bottom 2%
in Micro
Why this stands out
Current:
0.03%
(Tier avg: 0.56%, 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
99
99th pctile
Efficiency Ratio
Current: 35.43% · Tier avg: 67.73%
94
94th pctile
Return on Assets
Current: 2.26% · Tier avg: 1.08%
80
80th pctile
Total Loans
Current: $225.5M · Tier avg: $139.2M
64
64th pctile
Total Assets
Current: $257.2M · Tier avg: $217.5M
62
62th pctile
Tier 1 Capital Ratio
Current: 12.74% · Tier avg: 8.85%
57
57th pctile
Net Interest Margin
Current: 3.97% · Tier avg: 3.85%
57
57th pctile
Total Deposits
Current: $189.7M · Tier avg: $183.7M
32
32th pctile
Delinquency Rate
Current: 0.87% · Tier avg: 0.64%
26
26th pctile
Nonperforming Asset Ratio
Current: 0.76% · Tier avg: 0.45%
7
7th pctile
Non-Interest-Bearing Deposit Share
Current: 6.61% · Tier avg: 22.39%
2
2th pctile
Non-Interest Income / Assets
Current: 0.03% · Tier avg: 0.56%
1
1th pctile
Loan-to-Deposit Ratio
Current: 118.85% · Tier avg: 74.53%
Top Weaknesses
1
1th pctile
Loan-to-Deposit Ratio
Current: 118.85% · Tier avg: 74.53%
2
2th pctile
Non-Interest Income / Assets
Current: 0.03% · Tier avg: 0.56%
7
7th pctile
Non-Interest-Bearing Deposit Share
Current: 6.61% · Tier avg: 22.39%
26
26th pctile
Nonperforming Asset Ratio
Current: 0.76% · Tier avg: 0.45%
32
32th pctile
Delinquency Rate
Current: 0.87% · Tier avg: 0.64%
57
57th pctile
Total Deposits
Current: $189.7M · Tier avg: $183.7M
57
57th pctile
Net Interest Margin
Current: 3.97% · Tier avg: 3.85%
62
62th pctile
Tier 1 Capital Ratio
Current: 12.74% · Tier avg: 8.85%
64
64th pctile
Total Assets
Current: $257.2M · Tier avg: $217.5M
80
80th pctile
Total Loans
Current: $225.5M · Tier avg: $139.2M
94
94th pctile
Return on Assets
Current: 2.26% · Tier avg: 1.08%
99
99th pctile
Efficiency Ratio
Current: 35.43% · Tier avg: 67.73%