# VANTAGE BANK
KENT, MN · FDIC certificate 9733 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (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 | $85.0M | |
| Deposits | $75.4M | |
| Loans and leases | $79.4M | |
| Total equity | $7.0M | |
| Loans / deposits | 104.02% (p94 of band) | 73.59% |
| Liquid assets / assets | 3.39% (p0 of band) | |
| Uninsured deposits / deposits | 20.19% (p51 of band) | 19.81% |
| Brokered deposits | 0.58% | |
| Wholesale funding | 2.93% (p64 of band) | |
| FHLB advances / assets | 2.35% | |
| Tier 1 leverage | 8.47% (p6 of band) | 11.76% |
| Unrealized securities loss / equity | 0.00% (p95 of band) | -6.57% |
| AOCI / equity | 0.00% (p78 of band) | |
| ROA (annualized) | 1.84% (p81 of band) | 1.17% |
| Net interest margin | 4.49% (p76 of band) | 3.93% |
| Efficiency ratio | 56.52% (p26 of band) | |
| Noncurrent loans | 0.35% (p50 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 309.96% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 62.94% (p85 of band) | |
| Auto loans | $1.2M (1.51% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 23.4% | |
| Employees | 10 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **liquid assets <10%** (`liq_thin`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, expense ratio p90 |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 0 |  | losing money, expense ratio p90 |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 3 | losing money, expense ratio p90, NIM <2.5% | capital falling |
| 2012-09 | 4 | uninsured deposits leaving |  |
| 2012-12 | 2 | capital falling | expense ratio p90, NIM <2.5%, uninsured deposits leaving |
| 2013-03 | 1 |  | losing money |
| 2013-06 | 1 |  |  |
| 2013-09 | 4 | loans exceed deposits, liquid assets <10%, losing money, expense ratio p90 | capital falling |
| 2013-12 | 2 |  | loans exceed deposits, liquid assets <10% |
| 2014-03 | 3 | capital falling |  |
| 2014-06 | 5 | loans exceed deposits, liquid assets <10%, uninsured deposits leaving | capital falling |
| 2014-09 | 4 |  | uninsured deposits leaving |
| 2014-12 | 5 | capital falling |  |
| 2015-03 | 3 | wholesale funding >15% | losing money, expense ratio p90, capital falling |
| 2015-06 | 3 |  |  |
| 2015-09 | 3 | capital falling | wholesale funding >15% |
| 2015-12 | 3 |  |  |
| 2016-03 | 3 | uninsured deposits leaving | capital falling |
| 2016-06 | 1 |  | loans exceed deposits, uninsured deposits leaving |
| 2016-09 | 3 | loans exceed deposits, capital falling |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 3 | expense ratio p90 | capital falling |
| 2017-06 | 2 |  | expense ratio p90 |
| 2017-09 | 3 | capital falling |  |
| 2017-12 | 1 |  | loans exceed deposits, capital falling |
| 2018-03 | 2 | loans exceed deposits |  |
| 2018-06 | 3 | reserve under noncurrent |  |
| 2018-09 | 2 |  | reserve under noncurrent |
| 2018-12 | 1 |  | loans exceed deposits |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | loans exceed deposits |  |
| 2019-09 | 2 | construction >100% equity | loans exceed deposits |
| 2019-12 | 1 |  | construction >100% equity |
| 2020-03 | 3 | loans exceed deposits, uninsured deposits leaving |  |
| 2020-06 | 0 |  | liquid assets <10%, loans exceed deposits, uninsured deposits leaving |
| 2020-09 | 1 | uninsured deposits leaving |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | uninsured deposits leaving |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 2 | leverage <7% |  |
| 2022-03 | 3 | NIM <2.5% |  |
| 2022-06 | 0 |  | capital falling, leverage <7%, NIM <2.5% |
| 2022-09 | 0 |  |  |
| 2022-12 | 1 | uninsured deposits leaving |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | liquid assets <10%, construction >100% equity | uninsured deposits leaving |
| 2023-12 | 2 | capital falling | liquid assets <10% |
| 2024-03 | 1 | liquid assets <10% | construction >100% equity, capital falling |
| 2024-06 | 2 | loans exceed deposits |  |
| 2024-09 | 3 | construction >100% equity |  |
| 2024-12 | 3 | uninsured deposits leaving | construction >100% equity |
| 2025-03 | 2 |  | uninsured deposits leaving |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 1 |  | loans exceed deposits |
| 2026-06 | 2 | loans exceed deposits |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-26 [Q&A: Vantage Bank CEO on growth, innovation and banking initiatives - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPOUE0ekhnS05tV0Fuc3NkU1Rpb185M05ZUmNsQ0xTSWZSRWdqck5qSGNtdEMyM3c5YU45WFJpTWZ5d1ZZUG5oSDJyWVdmb0RHUENrWjI0Smp1R2pRR2poR0dTRGZJQ29rTkRaTGx0RjdFdTVnQnkySGw3RF9BcjdjWEtNSmlXaEg2RFBGaUFjNFQxSVloTUxHZWhBaGZ0RHZkSXdtT0hFMl80UQ?oc=5) · The Business Journals
- 2026-06-25 [Vantage Bank names Arlene Carroll executive VP and El Paso market president - elpasoinc.com](https://news.google.com/rss/articles/CBMiiwJBVV95cUxPSzNYUG9WUmtIaTNOWXN4b3VKenRpcVVKWjRqQUxUdy1QczVtRjRfTjFPRFM0RlBjNjZFZGFpQU5SQTZVWW1EWVg0NnlQTmtCVnEwSUpod3BCTVJ4THpKQ0lPRHh1RlJkck1iU0pEdC00LV9tTk9Oa1dkc0J2bWQ2ZkVDVGVDU1FraHBrQmVmaXB0RUh4clEzSGY5SjdnckxlOENqc0c4Q2JFT2ZaQTV1YW5jazBwSEdhYlEtTk1NeEdOWUhXVm5PM0trNldjUTZaYU1jNGNTcHJES2pDSFpUVTQzSEpaMXhwUmVpODFtaFhrbnRqY0NfMVIwUTh1QWdGXzlScFl1c0VGRFk?oc=5) · elpasoinc.com
- 2026-04-07 [Participate, Vantage Bank & Custodia Announce Groundbreaking First On-Chain Loan Participation Payment Collaboration - EIN Presswire](https://news.google.com/rss/articles/CBMi8gFBVV95cUxOSE1IN1JYYTZyRjFiOFFBUjE2T0VBel9NZktQRnRNSE03TG5xYzVaWXdIQUphYnQ0X1BJZ01qWjRyRjg5dXFiX2tNbnlKUUgyTVgtOTh1QkpBVVlocDNRRDlERkZSMW8zRUpWWHhwa3ZqUFpBMkljV0dVWURDdWFCWWMxVm9IZV9uWGtMY19NWk5EMDZnVWlFZW94bjdybGh0TEgtYWJsZmViYnVGX19WNjRjSEU1SGxGd3ZHX2JHR1pXc3JpUG9LR2N3UEN5dFZsMFBXWjhRdEJlbGNHc0U0eGFQaU5CamR1cC1JMURUOGZWQQ?oc=5) · EIN Presswire
- 2026-04-17 [List extra: San Antonio banks, credit unions grow deposits by more than $2.3B - The Business Journals](https://news.google.com/rss/articles/CBMirgFBVV95cUxPM3VBeDlQN3I4MXNGSWFlR2pIX0RJT1gtcDRPSlhsY1NHR3V0ZF9aLWZkNnY0ZWlJWmRkenJUcWhMRG9rME5Wa0JjT0ZDSUZnM05NYXRQMGlxd0tKN1lUTGM4ald4UVNmb0pBX0hYNE9PMTNfeXhpNWJKVWJYWmxKY3pfQXpUQWktcm9WVHAwUnVPMUtEbjRiYkVEWFJNWllXMWNteDVlOVF1bG5kRWc?oc=5) · The Business Journals
- 2021-10-03 [Q&A: Jeff Sinnott, CEO, Vantage Bank - elpasoinc.com](https://news.google.com/rss/articles/CBMivwFBVV95cUxPNDlCaTlpaE9BRUw0Tm42N1J0VG1mNGxuNGY0VW1sWU9nNmxFeGtUV3JsSEQxd3gyMVJoR0N1X3NlanFQcjY2R1hiWG9pejlfVFBOSEpvbGxsWHlHQU9DZ19jRnVfMXgzQ0h5OGFQVEhUXzVKUXhxMHFvbUNWWDU2Tm9sblJHTlRMY28wMWJLOGJEcFVTQmFnVmhqZngySER3dUR1TE9rYTRPNDlFS1RNdUZZMkdjaEpNSWdSYVN4Yw?oc=5) · elpasoinc.com
- 2018-07-09 [Donald Welander honored for 50 years in banking - Fillmore County Journal](https://news.google.com/rss/articles/CBMiigFBVV95cUxQUml2OWRVVGlSUzBPV1RtWWpwbHUtUjU5Ym5scGhhMUZhUHNFbGo2blNfODJMVXdLZDBvYVhUTFRHU0oxRDJ4eVZSanppazVwOE9jWkhUMGN6N0pHZjAyMkVxQjZmMHEwNjNmS08yRmRXdVdxZHUySFNuT0NOc25TaFpvbkhuak1Bdnc?oc=5) · Fillmore County Journal
- 2024-07-12 [Vantage Bank promotes SA market president to oversee Central Texas - The Business Journals](https://news.google.com/rss/articles/CBMirgFBVV95cUxQMVZuR2ZvY0d3bGdZeHVDMkFSWVA1QkhHOEtCSUVydDFvM0w3ODNDMUZoczhXQjRGNzl1ZmIyUXhncGFKWmVpcml4Qzg1cVFOYmdDRUNuXzFKVGdTQjU3SEVFNmpqVWFYQnRneG51SzBKejFNMU5wSDltZHlHQjhPcHoxanloRkZtZlZ3NUllbWNIY05HREozUW1FU3p2WjEyQnhIa25ZRTJ4QUptZ1E?oc=5) · The Business Journals
- 2026-02-27 [USAA's turbulence masks growth at San Antonio's other top banks - The Business Journals](https://news.google.com/rss/articles/CBMikgFBVV95cUxQdEN2aENqcDQzNUtKOUpXdHlYeW5MdEN0Rl9OM3ZzNFpQRzdFUEtZN1JpLXlHWXhNdkVqZUo0bXZ5ZjIzV21GWmlLbUpDRllKYVd4NDVBUnNFTm1ZM0tWdFJhY0pUSGxJQVRBMElfOFdBcE9wS2VtdndMazl1dDM4YlpWV3VKWHV1YUVrdWtTRndYZw?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9733 (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/5.json (key "9733", 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