Vantage Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 4.10 percentage points higher than in Q1 2026, at 105.18%. Within Minnesota, Vantage Bank is 34th of 221 on return on assets, 2.01% as of Q2 2026. Vantage Bank's return on assets of 2.01% is well above the 1.00% median for banks in the < $100M asset tier, a gap of 1.01 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 10.12% |
| Tier 1 risk-based capital ratio | 10.12% |
| Total risk-based capital ratio | 11.37% |
| Tier 1 leverage ratio | 8.47% |
| Equity capital to assets | 8.24% |
| Tangible equity to tangible assets | 7.91% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.35% |
| Non-performing assets ratio | 0.33% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 3.71% |
| Allowance for credit losses to loans | 1.10% |
| Reserve coverage of non-performing loans | 309.96% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.01% |
| Return on equity | 22.19% |
| Net interest margin | 4.55% |
| Efficiency ratio | 56.45% |
| Yield on earning assets | 6.25% |
| Cost of funds | 1.78% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 105.18% |
| Core deposits to total deposits | 89.04% |
| Brokered deposits to total deposits | 0.65% |
| Deposits to assets | 88.73% |
| Securities to assets | 0.06% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 10.77% | 10.77% | 11.90% | 8.14% | 1.71% |
| Q4 2023 | 11.13% | 11.13% | 12.30% | 8.12% | 1.09% |
| Q1 2024 | 11.47% | 11.47% | 12.64% | 8.74% | 1.54% |
| Q2 2024 | 10.36% | 10.36% | 11.48% | 8.62% | 1.71% |
| Q3 2024 | 10.34% | 10.34% | 11.47% | 8.64% | 1.61% |
| Q4 2024 | 10.46% | 10.46% | 11.66% | 8.60% | 1.17% |
| Q1 2025 | 10.85% | 10.85% | 12.10% | 8.74% | 1.55% |
| Q2 2025 | 10.22% | 10.22% | 11.47% | 8.62% | 1.83% |
| Q3 2025 | 10.84% | 10.84% | 12.09% | 8.78% | 1.86% |
| Q4 2025 | 11.16% | 11.16% | 12.41% | 8.81% | 1.39% |
| Q1 2026 | 11.25% | 11.25% | 12.50% | 9.12% | 1.76% |
| Q2 2026 | 10.12% | 10.12% | 11.37% | 8.47% | 2.01% |
Vantage Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Vantage Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Vantage Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9733) · FFIEC NIC profile (RSSD 58355)