BlastPoint's Banking Scorecard
Vantage Bank
Micro
Specialty: Commercial
MN
FDIC cert 9733
Designations: ✓ Community bank
Kent, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
Vantage Bank shows strong momentum with 3 strengths and 7.4% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Loan-to-Deposit Ratio 30.41% above tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$76.3M
+7.4% YoY
+1.8% QoQ
|
-$141.2M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 15% in tier |
| Total Loans ? |
$71.7M
+8.1% YoY
+2.3% QoQ
|
-$67.5M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
30% |
| Total Deposits ? |
$68.3M
+12.8% YoY
+9.0% QoQ
|
-$115.3M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
17% |
| Return on Assets ? |
1.65%
+12.0% YoY
-4.8% QoQ
|
+0.57% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
81% |
| Net Interest Margin ? |
4.61%
+6.3% YoY
+0.8% QoQ
|
+0.76% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
82% |
| Efficiency Ratio ? |
60.98%
-1.2% YoY
+4.1% QoQ
|
-6.75% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
64% |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
104.94%
-4.1% YoY
-6.1% QoQ
|
+30.41% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
Top 5% in tier |
| Non-Interest-Bearing Deposit Share ? |
19.14%
-13.9% YoY
-15.3% QoQ
|
-3.26% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
39% |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
11.16%
+6.7% YoY
+3.0% QoQ
|
+2.30% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
55% |
| Non-Interest Income / Assets ? |
0.42%
-4.1% YoY
+29.6% QoQ
|
-0.15% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
58% |
Signature Analysis
Strengths (3)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Top 5%
in Micro
Why this stands out
Current:
104.94%
(Tier avg: 74.53%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (0)
No concerns identified
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
95
95th pctile
Loan-to-Deposit Ratio
Current: 104.94% · Tier avg: 74.53%
82
82th pctile
Net Interest Margin
Current: 4.61% · Tier avg: 3.85%
81
81th pctile
Return on Assets
Current: 1.65% · Tier avg: 1.08%
64
64th pctile
Efficiency Ratio
Current: 60.98% · Tier avg: 67.73%
58
58th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 0.56%
55
55th pctile
Tier 1 Capital Ratio
Current: 11.16% · Tier avg: 8.85%
39
39th pctile
Non-Interest-Bearing Deposit Share
Current: 19.14% · Tier avg: 22.39%
30
30th pctile
Total Loans
Current: $71.7M · Tier avg: $139.2M
17
17th pctile
Total Deposits
Current: $68.3M · Tier avg: $183.7M
15
15th pctile
Total Assets
Current: $76.3M · Tier avg: $217.5M
Top Weaknesses
15
15th pctile
Total Assets
Current: $76.3M · Tier avg: $217.5M
17
17th pctile
Total Deposits
Current: $68.3M · Tier avg: $183.7M
30
30th pctile
Total Loans
Current: $71.7M · Tier avg: $139.2M
39
39th pctile
Non-Interest-Bearing Deposit Share
Current: 19.14% · Tier avg: 22.39%
55
55th pctile
Tier 1 Capital Ratio
Current: 11.16% · Tier avg: 8.85%
58
58th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 0.56%
64
64th pctile
Efficiency Ratio
Current: 60.98% · Tier avg: 67.73%
81
81th pctile
Return on Assets
Current: 1.65% · Tier avg: 1.08%
82
82th pctile
Net Interest Margin
Current: 4.61% · Tier avg: 3.85%
95
95th pctile
Loan-to-Deposit Ratio
Current: 104.94% · Tier avg: 74.53%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%