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Vergas State Bank
Vergas, MN · FDIC Certificate #9747 · Chartered 09/0
Total assets
$60.67M
Total deposits
$51.50M
Total equity
$8.94M
Net loans
$34.68M
Branches (offices)
1
Net income (YTD)
$409.00K
Rank: #3,964 of 4,213 U.S. banks by assets · #197 of 221 in Minnesota. Assets changed 8.8% and deposits 8.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.37% |
| Return on equity | 9.36% |
| Net interest margin (YTD) | 4.30% |
| Equity to assets | 14.74% |
| Tier 1 leverage ratio | 15.27% |
| Uninsured deposits (share of deposits) | 13.3% |
| Noncurrent loans (share of loans) | 0.16% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 67.3% |
| Real estate loans (share of loans) | 72.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $25.06M | 72.3% | |
| Commercial & industrial | $5.47M | 15.8% | |
| Consumer / individual | $2.40M | 6.9% | |
| Construction & development | $11.48M | 33.1% | |
| Agricultural | $1.97M | 5.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $54.95M | $47.77M | $3.00K | $7.07M |
| Jun 2023 | $53.75M | $46.41M | $162.00K | $7.14M |
| Jun 2024 | $54.73M | $47.18M | $182.00K | $7.39M |
| Jun 2025 | $55.74M | $47.34M | $326.00K | $8.24M |
| Jun 2026 | $60.67M | $51.50M | $409.00K | $8.94M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Minnesota | $51.50M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $51.50M.
Similar-sized banks
The Farmers State Bank Of Bucklin, Kansas ($60.84M) · Commerce Bank Texas ($60.64M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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