BlastPoint's Banking Scorecard
Vergas State Bank
Micro
Specialty: Commercial
MN
FDIC cert 9747
Designations: ✓ Community bank
Vergas, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
Vergas State Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.47% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$58.7M
+6.7% YoY
-0.6% QoQ
|
-$158.8M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 10% in tier |
| Total Loans ? |
$34.2M
+30.6% YoY
+8.8% QoQ
|
-$105.0M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
Bottom 13% in tier |
| Total Deposits ? |
$49.9M
+6.1% YoY
-0.8% QoQ
|
-$133.7M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
Bottom 10% in tier |
| Return on Assets ? |
1.01%
+66.7% YoY
-22.5% QoQ
|
-0.08% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
47% |
| Net Interest Margin ? |
3.94%
+21.6% YoY
+3.4% QoQ
|
+0.09% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
56% |
| Efficiency Ratio ? |
61.02%
-18.2% YoY
+2.4% QoQ
|
-6.71% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
64% |
| Delinquency Rate ? |
0.16%
-71.4% QoQ
|
-0.48% |
0.64%
+24.4% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
65% |
| Loan-to-Deposit Ratio ? |
68.45%
+23.1% YoY
+9.7% QoQ
|
-6.08% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
36% |
| Non-Interest-Bearing Deposit Share ? |
25.88%
-11.5% YoY
-8.2% QoQ
|
+3.49% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
66% |
| Nonperforming Asset Ratio ? |
0.10%
-68.7% QoQ
|
-0.36% |
0.45%
+25.1% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
68% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.09%
-4.5% YoY
+36.7% QoQ
|
-0.47% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
Bottom 7% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Non-Interest Income / Assets
metric
Bottom 7%
in Micro
Why this stands out
Current:
0.09%
(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
68
68th pctile
Nonperforming Asset Ratio
Current: 0.10% · Tier avg: 0.45%
66
66th pctile
Non-Interest-Bearing Deposit Share
Current: 25.88% · Tier avg: 22.39%
65
65th pctile
Delinquency Rate
Current: 0.16% · Tier avg: 0.64%
64
64th pctile
Efficiency Ratio
Current: 61.02% · Tier avg: 67.73%
56
56th pctile
Net Interest Margin
Current: 3.94% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
47
47th pctile
Return on Assets
Current: 1.01% · Tier avg: 1.08%
36
36th pctile
Loan-to-Deposit Ratio
Current: 68.45% · Tier avg: 74.53%
13
13th pctile
Total Loans
Current: $34.2M · Tier avg: $139.2M
10
10th pctile
Total Deposits
Current: $49.9M · Tier avg: $183.7M
10
10th pctile
Total Assets
Current: $58.7M · Tier avg: $217.5M
7
7th pctile
Non-Interest Income / Assets
Current: 0.09% · Tier avg: 0.56%
Top Weaknesses
7
7th pctile
Non-Interest Income / Assets
Current: 0.09% · Tier avg: 0.56%
10
10th pctile
Total Assets
Current: $58.7M · Tier avg: $217.5M
10
10th pctile
Total Deposits
Current: $49.9M · Tier avg: $183.7M
13
13th pctile
Total Loans
Current: $34.2M · Tier avg: $139.2M
36
36th pctile
Loan-to-Deposit Ratio
Current: 68.45% · Tier avg: 74.53%
47
47th pctile
Return on Assets
Current: 1.01% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
56
56th pctile
Net Interest Margin
Current: 3.94% · Tier avg: 3.85%
64
64th pctile
Efficiency Ratio
Current: 61.02% · Tier avg: 67.73%
65
65th pctile
Delinquency Rate
Current: 0.16% · Tier avg: 0.64%
66
66th pctile
Non-Interest-Bearing Deposit Share
Current: 25.88% · Tier avg: 22.39%
68
68th pctile
Nonperforming Asset Ratio
Current: 0.10% · Tier avg: 0.45%