Vantage Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Vantage Bank of Kent, MN against its peer group of 578 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.01% | 0.85% | +1.16% | 82nd top |
| ROAE | 22.19% | 5.23% | +16.96% | 93rd top |
| Net Interest Margin | 4.55% | 3.94% | +0.61% | 77th top |
| Efficiency Ratio | 56.45% | 76.13% | -19.68% | 77th top |
| PPNR / Avg Assets | 2.16% | — | — | 84th top |
| Yield on Earning Assets | 6.25% | 5.42% | +0.83% | 83rd top |
| Cost of Funds | 1.78% | 1.69% | +0.09% | 38th below |
| Net Interest Spread | 4.05% | — | — | 78th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.35% | 1.23% | -0.88% | 53rd above |
| NPA / Total Assets | 0.33% | — | — | 43rd below |
| NCO / Avg Loans | 0.00% | 0.11% | -0.11% | 53rd above |
| ACL / Total Loans | 1.10% | — | — | 38th below |
| ACL / NPLs (Coverage) | 309.96% | — | — | 72nd above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 3.71% | 7.23% | -3.52% | 37th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.12% | 25.12% | -15.00% | 2nd bottom |
| Tier 1 Ratio | 10.12% | 25.12% | -15.00% | 2nd bottom |
| Total Capital Ratio | 11.37% | — | — | 2nd bottom |
| Leverage Ratio | 8.47% | 14.13% | -5.66% | 6th bottom |
| Equity / Assets | 8.24% | 13.07% | -4.83% | 9th bottom |
| TCE / Tangible Assets | 7.91% | — | — | 8th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 105.18% | 68.58% | +36.60% | 7th bottom |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 89.04% | 88.79% | +0.25% | 36th below |
| Wholesale Funding Ratio | 2.35% | — | — | 64th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 13.61% | — | — | 91st top |
| Loan Growth (Y/Y) | 13.86% | — | — | 85th top |
| Deposit Growth (Y/Y) | 23.44% | — | — | 97th top |
See Vantage Bank's peers by name
The 578 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Vantage Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Vantage Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Vantage Bank peer analysis.