Vergas State 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 Return on assets: 0.52 percentage points higher than in Q1 2026, at 1.65%. Vergas State Bank ranks 73rd of 221 Minnesota banks on return on assets, in the upper half at 1.65% (Q2 2026). Vergas State Bank's return on assets of 1.65% is well above the 0.98% median for banks in the < $100M asset tier, a gap of 0.67 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 15.27% |
| Equity capital to assets | 14.74% |
| Tangible equity to tangible assets | 14.74% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.16% |
| Non-performing assets ratio | 0.09% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.60% |
| Allowance for credit losses to loans | 1.21% |
| Reserve coverage of non-performing loans | 758.93% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.65% |
| Return on equity | 11.02% |
| Net interest margin | 4.45% |
| Efficiency ratio | 57.94% |
| Yield on earning assets | 5.79% |
| Cost of funds | 1.53% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 68.17% |
| Core deposits to total deposits | 90.29% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 84.88% |
| Securities to assets | 19.35% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 15.06% | 0.37% | 2.82% | 0.00% | 0.13% |
| Q4 2023 | 14.96% | 0.51% | 2.88% | 0.00% | -0.16% |
| Q1 2024 | 14.98% | 0.65% | 2.95% | 0.00% | 0.00% |
| Q2 2024 | 14.14% | 0.67% | 3.10% | 0.00% | 0.00% |
| Q3 2024 | 14.53% | 0.80% | 3.25% | 0.00% | -0.06% |
| Q4 2024 | 14.26% | 0.28% | 3.41% | 0.00% | 0.00% |
| Q1 2025 | 14.91% | 1.08% | 3.56% | 0.00% | 0.00% |
| Q2 2025 | 15.22% | 1.31% | 3.95% | 0.00% | 0.00% |
| Q3 2025 | 14.96% | 1.54% | 3.98% | 0.00% | 0.00% |
| Q4 2025 | 14.50% | 0.16% | 4.23% | 0.16% | 0.66% |
| Q1 2026 | 14.94% | 1.14% | 4.24% | 0.16% | 0.00% |
| Q2 2026 | 15.27% | 1.65% | 4.45% | 0.16% | 0.00% |
Vergas State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Vergas State 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 Vergas State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9747) · FFIEC NIC profile (RSSD 804150)