# VERMILLION STATE BANK VERMILLION, MN · FDIC certificate 10214 · asset band $300M-1B · latest filing 2026-06 · live **Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster). ## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses) | Measure | Value | Band median | |---|---|---| | Total assets | $931.4M | | | Deposits | $806.6M | | | Loans and leases | $423.8M | | | Total equity | $121.5M | | | Loans / deposits | 51.72% (p7 of band) | 82.04% | | Liquid assets / assets | 53.26% (p94 of band) | | | Uninsured deposits / deposits | 30.22% (p67 of band) | 25.97% | | Brokered deposits | 0.00% | | | Wholesale funding | 0.00% (p11 of band) | | | FHLB advances / assets | 0.00% | | | Tier 1 leverage | 13.40% (p82 of band) | 10.81% | | Unrealized securities loss / equity | -2.33% (p77 of band) | -8.10% | | AOCI / equity | -3.43% (p3 of band) | | | ROA (annualized) | 2.56% (p95 of band) | 1.28% | | Net interest margin | 3.26% (p18 of band) | 3.91% | | Efficiency ratio | 23.23% (p1 of band) | | | Noncurrent loans | 0.24% (p36 of band) | 0.43% | | Net charge-offs (annualized) | -0.05% (p2 of band) | | | Reserve coverage of noncurrent | 651.32% | | | Real estate % of loans | 76% | | | Construction % of loans | 2.59% (p7 of band) | | | Auto loans | $2.9M (0.69% of loans; DQ 0.34%, NCO 0.00%) | | | Loans to nondepository financials | $0 (0% of equity) (p45 of band) | | | Deposits YoY | 4.8% | | | Employees | 33 | | ## Flags firing in the latest filing - none ## Warning timeline | Quarter | Score | Flags that first fired | Flags that cleared | |---|---|---|---| | 2011-03 | 0 | | | | 2011-06 | 0 | | | | 2011-09 | 0 | | | | 2011-12 | 0 | | | | 2012-03 | 1 | uninsured deposits leaving | | | 2012-06 | 1 | | | | 2012-09 | 0 | | uninsured deposits leaving | | 2012-12 | 0 | | | | 2013-03 | 1 | charge-offs p90 | | | 2013-06 | 1 | | | | 2013-09 | 1 | | | | 2013-12 | 1 | | | | 2014-03 | 0 | | charge-offs p90 | | 2014-06 | 0 | | | | 2014-09 | 0 | | | | 2014-12 | 0 | | | | 2015-03 | 0 | | | | 2015-06 | 1 | capital falling | | | 2015-09 | 0 | | capital falling | | 2015-12 | 1 | charge-offs p90 | | | 2016-03 | 1 | deposits shrinking | charge-offs p90 | | 2016-06 | 0 | | deposits shrinking | | 2016-09 | 0 | | | | 2016-12 | 0 | | | | 2017-03 | 0 | | | | 2017-06 | 1 | capital falling | | | 2017-09 | 0 | | capital falling | | 2017-12 | 0 | | | | 2018-03 | 0 | | | | 2018-06 | 0 | | | | 2018-09 | 1 | charge-offs p90 | | | 2018-12 | 1 | | | | 2019-03 | 0 | | charge-offs p90 | | 2019-06 | 0 | | | | 2019-09 | 0 | | | | 2019-12 | 0 | | | | 2020-03 | 0 | | | | 2020-06 | 0 | | | | 2020-09 | 1 | capital falling | | | 2020-12 | 1 | | | | 2021-03 | 1 | NIM <2.5% | capital falling | | 2021-06 | 1 | | | | 2021-09 | 3 | noncurrent p90, reserve under noncurrent | | | 2021-12 | 0 | | NIM <2.5%, noncurrent p90, reserve under noncurrent | | 2022-03 | 2 | capital falling, NIM <2.5% | | | 2022-06 | 1 | | capital falling | | 2022-09 | 2 | AOCI drag >20% of equity | | | 2022-12 | 2 | | | | 2023-03 | 2 | charge-offs p90 | AOCI drag >20% of equity | | 2023-06 | 1 | | NIM <2.5% | | 2023-09 | 0 | | charge-offs p90 | | 2023-12 | 0 | | | | 2024-03 | 1 | capital falling | | | 2024-06 | 0 | | capital falling | | 2024-09 | 0 | | | | 2024-12 | 0 | | | | 2025-03 | 0 | | | | 2025-06 | 0 | | | | 2025-09 | 1 | capital falling | | | 2025-12 | 1 | | | | 2026-03 | 0 | | capital falling | | 2026-06 | 0 | | | ## In the news (Google News, unfiltered, newest first; check the city) - 2024-04-01 [Charges: Man restrained workers with zip ties during Inver Grove Heights bank robbery - CBS News](https://news.google.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?oc=5) · CBS News - 2008-01-11 [Francis J. Poepl Obituary January 11, 2008 - Starkson Family Life Celebration Chapel - Starkson Family Funeral Homes](https://news.google.com/rss/articles/CBMiaEFVX3lxTE45ZkF6azZ3QzN3cklYb0J4bTR3WXlNQjRhX2Qtc2dlSXlVS2loWmZIOHJoVmZ5RVQ4b05IdjQzSkZrSEE0WWxmTEpxUjVvQzY5MWE1NWx3OXEyZEtBNlFDVHRzc3pVWVVW?oc=5) · Starkson Family Funeral Homes - 2023-01-13 [Man charged in Inver Grove Heights bank robbery during which 2 workers were restrained - Pioneer Press](https://news.google.com/rss/articles/CBMihgFBVV95cUxOYVFoVHl5YXpFN3NqZlQ1NFZ3WGR0bnlEMkVWSmNvRG9iNUtteGFDSmtrWUl4c1NnRUVuVWlhZVBIb1czZjJIQ3l0SUt2SUhTT1poeDdqSFRHc2M0UG1ITVRMRGVPUEtoYThCQVMtUXhvQ09ZbjQzV2xOOUdYVkxubHJxV2pxUQ?oc=5) · Pioneer Press - 2025-04-09 [America's Best Regional Banks and Credit Unions 2025 - Minnesota - Newsweek Rankings](https://news.google.com/rss/articles/CBMikAFBVV95cUxOUzh0Z3pCcmdqcXR3Vi0xQ0IzV0VKUGE3ZHpzRWVTcGpKSjFNMk5BZ2c0SnRCa1ZYRVlzd0dfX3ZlWVpDaDVhNXdGSXpERG0tZzN6VzRTRkp1ek50ZFJCei1sWHhSNXoxSlg0di1CMkpLUzliel9KS1dLWXMwOVdnaXpFcHJMUm9ydmxuMFpISDg?oc=5) · Newsweek Rankings - 2022-12-22 [Inver Grove Heights bank robbery under investigation - 5 EYEWITNESS NEWS](https://news.google.com/rss/articles/CBMilgFBVV95cUxNbHd6ZUVzeXRiZjl2aDgzdWZhSHBvX0JIb1JNcEJUOVl4NmU1OVVvelpPNW5IOERDY0t1bGNqSE13QVVIc3NrX2Nhai1IMkVDeU41LVJZNEtWUjFSVFRFdzNiVTNuYWRBWW1abVpuT2VtT0h2NVZIcUJVWDVvM1ZmOEF5bG11WXRFWlRSRms2T3lZNXZieVE?oc=5) · 5 EYEWITNESS NEWS - 2023-01-17 [Man charged for county bank robbery - Hastings Journal](https://news.google.com/rss/articles/CBMiigFBVV95cUxPMXFTRXZlQ3ZBSXpna3RHZG0xTUM2SndwV1VFdnpnQTlWVUh2VGpSR1pQZUREYjh5U2diNThRWFdqS0R4QTY5b2pWc0ZzRk9OSklWb3I3Sy1IYjVadDRxTk55RzZKWmVFN2xnSk9fX2N3aE8zWGdLZUZNbVFXbU9sVno5YnhoaG53ZEE?oc=5) · Hastings Journal - 2016-06-25 [Brooke Amber Ptacek-Baker Obituary Jun 25, 2016 - O'Connell Family Funeral Homes & Cremation Services](https://news.google.com/rss/articles/CBMifkFVX3lxTE1MRmRHRTZTUWRwa2NuM2ZsNzNlbC1sXzFFbzNwSDJDN3hlTFFsTEZ1T1FBYlBoYjNTTkNhVnNzZDFyd3pSRDc4VXlONzNyblQ1bEhrTXhsR1U0QWp0WUxpWmJHUG44SkR2RGROQ1V6NHBUVzlsS0dZRWZIaHg1Zw?oc=5) · O'Connell Family Funeral Homes & Cremation Services - 2024-04-01 [Indiana felon sentenced to 10 years in prison for Inver Grove Heights bank robbery - Pioneer Press](https://news.google.com/rss/articles/CBMivgFBVV95cUxNZTJ0U2RBZkNjd0V0T1QwVE1rSUgzMFNsM2ZPSUR1NUVZcExmNWZRTmdVSWZ3WWZ3UkRZZl9SdVdBR2JURGFWcUFkeHAwNWJjZDRhcTktcDhHYzFTdTdPb3g0SEJTYzlRX29uaGpvT1dDLWRZTmVFemd2X2pKelJLY0VzdlNlRmZKNlcxQ0RNdDBqVS1jNlVsQlRTck5sT3NNZlZxWVNHdEotei1ENnBkeGtrYjhCV0ZPUHU3UGlB?oc=5) · Pioneer Press ## How to verify - Page: https://getbookiq.com/bank-desk/#bank=10214 (click any number for its formula and FFIEC field codes) - Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/38.json (key "10214", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags) - Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary - Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list. --- Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide