VERGAS STATE BANK

VERGAS, MN | Micro | Est. Sept. 1, 1909, midnight | FDIC #9747 | RSSD #804150 | FDIC
Latest Report: 2025-12-31

VERGAS STATE BANK is amn micro FDIC-insured commercial bank headquartered in VERGAS, MN, established in Sept. 1, 1909, midnight. As of 2025-12-31, the bank reported total assets of $59M and total deposits of $50M. Profitability stands at 0.16% ROA and 1.12% ROE, with a net interest margin of 4.47%. The bank's CET1 capital ratio is 14.58%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.16% and a Texas Ratio of 0.62%. FDIC Certificate #9747.

Assets

$59M

Deposits

$50M

Loans

$35M

Equity

$9M

Profitability

Return on Assets (ROA) 0.16%
Return on Equity (ROE) 1.12%
Net Interest Margin (NIM) 4.47%
Yield on Assets 5.96%
Cost of Funds 2.17%

Asset Quality

NPL Ratio 0.16%
Net Charge-Off Ratio 0.16%
Texas Ratio 0.62%
NPA Ratio 0.10%
ACL / Loans 1.23%

Capital & Liquidity

CET1 Ratio 14.58%
Tier 1 Capital 14.58%
Total Capital Ratio 15.31%
Leverage Ratio 14.50%
Loan-to-Deposit 69.30%

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