Vantage Bank
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Data as of · sourced from FFIEC call reports. How we update
Vantage Bank is an FDIC-insured commercial bank headquartered in Kent, MN, established in 1902 (FDIC certificate 9733), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $85.0M, up 13.6% from Q2 2025, the 183rd largest of 221 banks headquartered in Minnesota. Its CET1 capital ratio was 10.12% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 9733
- Headquarters
- Kent, MN
- Established
- 1902
- Total assets, Q2 2026
- $85.0M
- Assets vs Q2 2025
- +13.6%
- CET1 ratio, Q2 2026
- 10.12%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 091208141
- Latest call report
- Q2 2026, FFIEC 051 · Vantage Bank call report
- Holding company
- MINNDAK BANCSHARES, INC.
- Asset rank in state
- 183rd of 221 in Minnesota
Problem loans are rising at Vantage Bank. Based in Kent, Minnesota, it had $85 million in assets at June 30, 2026, up 13.6% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.35% of loans from 0.00% a year earlier. It returns 22.2% a year on shareholders' equity, 2.6 times the median of 8.6% for the 583 banks with less than $100 million in assets. On the other hand, it holds common equity equal to 10.12% of its risk-weighted assets, about half the median of 22.08% for banks its size.
Net income for the quarter rose 22% from a year earlier, to $399,000. Over the same year, loans grew 13.9% and deposits grew 23.4%. Concentration is the risk to watch: it holds commercial real estate loans worth 1.5 times its capital, 5.8 times the median of 26% for banks its size.
As of June 30, 2026, Vantage Bank reported a CET1 capital ratio of 10.12%, a return on assets of 2.01%, a nonperforming-loan ratio of 0.35% and a Texas ratio of 3.71%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Vantage Bank is the 183rd largest of the 221 banks headquartered in Minnesota. Between Q1 2026 and Q2 2026, its total assets rose 5.3% to $85.0M, loans rose 7.9% and deposits rose 3.6%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 61.5% of total loans, followed by commercial and industrial loans at 11.7%. Its 2 offices in the FDIC Summary of Deposits are in Alexandria, MN and Kent, MN; its Alexandria office books 85% of its branch deposits. On its Q2 2026 call report, Vantage Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 202 Main St, Kent, MN 56553
- County
- Wilkin
- Metro Area
- Wahpeton, ND-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
- July 14, 1902
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 10
- Domestic deposits
- $75.4M
- Allowance for credit losses
- $871K
- Net charge-offs (YTD)
- $0
- Average total assets
- $79.5M
- Average total loans
- $75.5M
- Average interest-bearing deposits
- $56.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9733
- Fed RSSD
- 58355
- Website
- www.vantagebankmn.com →
- Parent Holding Company
- MINNDAK BANCSHARES, INC. (RSSD 4203425)
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
Vantage Bank's total assets moved between a low of $63.8M (Q3 2023) and a high of $85.0M (Q2 2026) from Q3 2023 to 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
$85.0M total assets against $74.8M; $78.0M total liabilities against $68.4M.
$78.5M net loans and leases against $68.9M; $75.4M total deposits against $61.1M.
$47K securities against $51K; $2.8M cash and balances due against $2.5M.
$1.2M total interest income against $1.1M; $325K total interest expense against $311K.
$869K net interest income against $767K.
$116K total noninterest income against $91K; $556K total noninterest expense against $502K.
$30K provision for credit losses against $30K.
$399K net income against $326K.
2.01% return on assets against 1.83%; 4.55% net interest margin against 4.56%.
10.12% CET1 capital ratio against 10.22%; 8.47% tier 1 leverage ratio against 8.62%.
Inside the full Vantage Bank 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.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.17% (Q4 2024) to 2.01% (Q2 2026) and its net interest margin ran from 4.21% (Q3 2024) to 4.73% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.12% | 2.01% | 0.35% | 3.71% | 4.55% |
| Q1 2026 | 11.25% | 1.76% | 0.00% | 0.00% | 4.49% |
| Q4 2025 | 11.16% | 1.39% | 0.00% | 0.00% | 4.73% |
| Q3 2025 | 10.84% | 1.86% | 0.00% | 0.00% | 4.65% |
| Q2 2025 | 10.22% | 1.83% | 0.00% | 0.00% | 4.56% |
| Q1 2025 | 10.85% | 1.55% | 0.00% | 0.00% | 4.43% |
| Q4 2024 | 10.46% | 1.17% | 0.00% | 0.00% | 4.49% |
| Q3 2024 | 10.34% | 1.61% | 0.00% | 0.00% | 4.21% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 |
|---|---|---|---|
| Alexandria Branch | Alexandria , MN | 56308 | $64.3M |
| Vantage Bank (main office) | Kent , MN | 56553 | $11.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MN, rank 223 of 277 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $108K approved, $108K 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, Mortgage lending (HMDA), 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 Vantage Bank
What are Vantage Bank's total assets?
As of the Q2 2026 filing, Vantage Bank reported total assets of $85.0 million in its FFIEC call report.
Where is Vantage Bank headquartered?
It is headquartered in Kent, MN, United States.
When was Vantage Bank founded?
It was established in 1902, per the FDIC institution directory.
Is Vantage Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #9733). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Vantage Bank?
Vantage Bank's primary federal regulator is the FDIC.
What is Vantage Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 10.12% in its Q2 2026 call report, above regulatory requirements.
How many branches does Vantage Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Vantage Bank's Texas Ratio?
Its Texas Ratio is 3.71% 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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