BanksVERGAS STATE BANK

VERGAS STATE BANK

VERGAS, MNMicroEst. Sept. 1, 1909, midnightFDIC #9747RSSD #804150FDIC
Latest · 2025-12-31

VERGAS STATE BANK is an 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%. CET1 capital ratio: 14.58%, well above regulatory minimums. NPL ratio: 0.16% · Texas Ratio: 0.62%. Operates 1 domestic branch.

Assets
$59M
Deposits
$50M
Loans
$35M
Equity
$9M

Profitability

Return on Assets (ROA)0.16%
Return on Equity (ROE)1.12%
Net Interest Margin4.47%
Yield on Assets5.96%
Cost of Funds1.60%

Asset Quality

NPL Ratio0.16%
Net Charge-Off Ratio0.16%
Texas Ratio0.62%
NPA Ratio0.10%
ACL / Loans1.23%

Capital & Liquidity

CET1 Ratio14.58%
Tier 1 Capital14.58%
Total Capital Ratio15.31%
Leverage Ratio14.50%
Loan-to-Deposit69.30%

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