Vantage Bank: how it compares with its peers
Against 85 MN banks with half to twice its assets, Vantage Bank's strongest measure in Q2 2026 is return on assets (1.84% vs. a 1.26% peer median). Its weakest relative measure is efficiency ratio (56.52% vs. 61.48%).
| Measure | Vantage Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.84% | 1.26% | Top third Ahead of 82% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.49% | 4.06% | Top third Ahead of 71% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 56.52% | 61.48% | Middle third Ahead of 66% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.5M | $7.2M | Top third Ahead of 73% of peers |
| Loans to deposits Net loans and leases over total deposits. | 104.02% | 77.94% | Context |
What it means for lending operations
Its efficiency ratio of 56.52% is better than the 61.48% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- First Security Bank - Canby Canby, MN · $85M
- Bank of Maple Plain Maple Plain, MN · $86M
- Lowry State Bank Lowry, MN · $84M
- The First National Bank of Gilbert Gilbert, MN · $86M
- The First State Bank of Red Wing Red Wing, MN · $86M
- Farmers & Merchants State Bank of New York Mills, Incorporated New York Mills, MN · $83M
Questions about Vantage Bank
How big is Vantage Bank?
Vantage Bank, established in 1902, is headquartered in Kent, MN. It reported $85M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Vantage Bank's return on assets?
1.84% annualized in Q2 2026, against a 1.26% median for 85 MN banks with half to twice its assets, ahead of 82% of them.
What is Vantage Bank's efficiency ratio?
56.52% in Q2 2026: it spent about 57 cents in noninterest expense for each dollar of revenue. The peer median is 61.48%, and lower is better.
Is Vantage Bank growing its loans?
Net loans grew 13.8% over the year to Q2 2026, while deposits grew 23.4%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MN banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Minnesota bank ranked.