Bankvista
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Data as of · sourced from FFIEC call reports. How we update
Bankvista is an FDIC-insured commercial bank headquartered in Sartell, MN, established in 2000 (FDIC certificate 35406), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $651.1M, up 2.6% from Q2 2025, the 35th largest of 221 banks headquartered in Minnesota. Its CET1 capital ratio was 11.54% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 35406
- Headquarters
- Sartell, MN
- Established
- 2000
- Total assets, Q2 2026
- $651.1M
- Assets vs Q2 2025
- +2.6%
- CET1 ratio, Q2 2026
- 11.54%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 091917050
- Latest call report
- Q2 2026, FFIEC 051 · Bankvista call report
- Holding company
- RIVERS RIDGE HOLDING COMPANY
- Asset rank in state
- 35th of 221 in Minnesota
Bankvista pays more for its money than most banks of its size. It reported $651 million in assets at June 30, 2026, up 2.6% from a year earlier. It pays an average of 2.75% on its deposits and borrowings, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%). It also holds common equity equal to 11.54% of its risk-weighted assets, lower than about three-quarters of banks its size (median 15.12%).
Earnings jumped: net income for the quarter was $2.0 million, 56% above the same quarter a year earlier. The non-owner-occupied commercial real estate book ($93 million) is worsening: 2.80% of it is past due or on nonaccrual, up from 1.56% a year earlier. Credit is the area to watch: it carries problem assets equal to 11.4% of the capital and reserves that would absorb them, 4.3 times the median of 2.6% for banks its size.
As of June 30, 2026, Bankvista reported a CET1 capital ratio of 11.54%, a return on assets of 1.25%, a nonperforming-loan ratio of 2.21% and a Texas ratio of 11.40%. The figures come from its call report filed with the FFIEC.
Of the 221 banks headquartered in Minnesota, Bankvista is the 35th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.7% to $651.1M, loans rose 1.1% and deposits rose 1.4%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 24.8% of total loans, ahead of owner-occupied commercial real estate loans at 24.2%. The FDIC Summary of Deposits lists 3 offices for it, in Sartell, MN, Chaska, MN and Mankato, MN; its Sartell office books 48% of its branch deposits. On its Q2 2026 call report, Bankvista meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 125 Twin Rivers Ct, Sartell, MN 56377
- County
- Stearns
- Metro Area
- St. Cloud, MN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- February 15, 2000
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 70
- Domestic deposits
- $540.6M
- Allowance for credit losses
- $8.2M
- Net charge-offs (YTD)
- $1.4M
- Average total assets
- $649.5M
- Average total loans
- $584.6M
- Average interest-bearing deposits
- $427.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- February 15, 2000
- FDIC Cert
- 35406
- Fed RSSD
- 2849285
- Website
- www.bankvista.com →
- Parent Holding Company
- RIVERS RIDGE HOLDING COMPANY (RSSD 2849276)
- Ultimate Parent
- ABDO INVESTMENTS, INC. (RSSD 3368185)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Bankvista's total assets ranged from $554.7M (Q3 2023) to $651.1M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$651.1M total assets against $634.5M; $587.5M total liabilities against $577.2M.
$581.3M net loans and leases against $553.6M; $540.6M total deposits against $531.2M.
$23.2M securities against $25.5M; $32.2M cash and balances due against $40.4M.
$10.2M total interest income against $9.6M; $4.0M total interest expense against $4.2M.
$6.2M net interest income against $5.3M.
$1.1M total noninterest income against $602K; $3.8M total noninterest expense against $3.7M.
$625K provision for credit losses against $417K.
$2.0M net income against $1.3M.
1.25% return on assets against 0.84%; 3.90% net interest margin against 3.54%.
11.54% CET1 capital ratio against 11.12%; 9.93% tier 1 leverage ratio against 9.48%.
Inside the full Bankvista terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Bankvista rankings
Its closest position to the top of a national ranking is 517 of 3,640, for Texas Ratio; its furthest is 1,838 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.36% (Q4 2024) to 1.25% (Q2 2026) and its net interest margin ran from 3.19% (Q3 2024) to 3.90% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.54% | 1.25% | 2.21% | 11.40% | 3.90% |
| Q1 2026 | 11.35% | 1.24% | 2.20% | 12.85% | 3.64% |
| Q4 2025 | 11.38% | 1.09% | 2.11% | 12.58% | 3.86% |
| Q3 2025 | 11.23% | 1.00% | 2.00% | 13.31% | 3.65% |
| Q2 2025 | 11.12% | 0.84% | 1.99% | 12.07% | 3.54% |
| Q1 2025 | 11.41% | 0.79% | 1.98% | 11.47% | 3.29% |
| Q4 2024 | 10.92% | 0.36% | 1.75% | 13.20% | 3.33% |
| Q3 2024 | 11.26% | 0.69% | 1.56% | 12.62% | 3.19% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bankvista (main office) | Sartell , MN | 56377 | $257.4M |
| Chaska Branch | Chaska , MN | 55318 | $168.8M |
| Bankvista Mankato | Mankato , MN | 56001 | $114.4M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| December 20, 2014 | Structure Change | Acquired Northern Star Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| December 19, 2014 | Merger | Participated in FDIC Assisted Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in MN, rank 53 of 277 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 133 applications, 125 loans originated, $32.5M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 62 loans, $20.7M approved, $335K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Bankvista
What are Bankvista's total assets?
As of the Q2 2026 filing, Bankvista reported total assets of $651.1 million in its FFIEC call report.
Where is Bankvista headquartered?
It is headquartered in Sartell, MN, United States.
When was Bankvista founded?
It was established in 2000, per the FDIC institution directory.
Is Bankvista FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #35406). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bankvista?
Bankvista's primary federal regulator is the FDIC.
What is Bankvista's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.54% in its Q2 2026 call report, above regulatory requirements.
How many branches does Bankvista operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bankvista's Texas Ratio?
Its Texas Ratio is 11.40% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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