TellerScore

BankVista (FDIC certificate #35406) is based in Sartell, Minnesota. Its Q2 2026 call report shows $651.1M in total assets and $540.6M in deposits and 3 offices.

Based on its Q2 2026 filing, BankVista scores 46/100, which we describe as below average. That is higher than only 5% of 2,650 banks with $100 million – $1 billion. Among 223 banks headquartered in Minnesota, it ranks 209th. Its strongest component is earnings (69/100; 1.24%), and its lowest is loan quality (26/100; 2.21%).

TellerScore · Q2 2026

Scorecard

Capital cushion49/100
Tier 1 leverage ratio: 9.93%
Loan quality26/100
Noncurrent loans ÷ total loans: 2.21%
Earnings69/100
Return on assets (annualized): 1.24%
Funding & liquidity32/100
Loans ÷ deposits and uninsured-deposit share: 107.5% · 34.1% uninsured
Problem-loan coverage64/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 18.13%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (45 → 46).

TellerScore
424547Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202442
Q3 202447
Q4 202444
Q1 202544
Q2 202545
Q3 202544
Q4 202544
Q1 202647
Q2 202646
Tier 1 leverage ratio
5.00%7.47%9.93%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.36%
Q3 20249.39%
Q4 20249.55%
Q1 20259.35%
Q2 20259.48%
Q3 20259.49%
Q4 20259.80%
Q1 20269.85%
Q2 20269.93%
Noncurrent loans
1.56%1.88%2.21%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20242.03%
Q3 20241.56%
Q4 20241.75%
Q1 20251.98%
Q2 20251.99%
Q3 20252.00%
Q4 20252.11%
Q1 20262.20%
Q2 20262.21%
Return on assets
0.49%0.86%1.24%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.49%
Q3 20240.56%
Q4 20240.51%
Q1 20250.80%
Q2 20250.82%
Q3 20250.88%
Q4 20250.93%
Q1 20261.22%
Q2 20261.24%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202646$651.1M9.93%2.21%1.24%107.5%
Q1 202647$646.7M9.85%2.20%1.22%107.9%
Q4 202544$633.3M9.80%2.11%0.93%112.1%
Q3 202544$630.4M9.49%2.00%0.88%105.4%
Q2 202545$634.5M9.48%1.99%0.82%104.2%
Q1 202544$608.0M9.35%1.98%0.80%104.7%
Q4 202444$601.9M9.55%1.75%0.51%105.7%
Q3 202447$598.7M9.39%1.56%0.56%99.7%
Q2 202442$610.9M9.36%2.03%0.49%102.2%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.93%
29th
Total risk-based capital12.80%
56th
Problem loans2.21%
11th
Net charge-offs0.47%
5th
Return on assets1.24%
49th
Net interest margin3.81%
43rd
Efficiency ratio53.2%
76th
Loans to deposits107.5%
5th
Uninsured deposits34.1%
19th
Loan-loss reserves1.39%
71st
Texas ratio18.1%
7th

Similar-size banks in Minnesota

InstitutionScoreAssetsCapitalProblem loansCompare
First Independent BankBank Russell, MN76 out of 100, Strong$632.3M9.9%0.14%vs
Scale BankBank Edina, MN83 out of 100, Strong$626.7M14.0%0.06%vs
Premier Bank MinnesotaBank Hastings, MN77 out of 100, Strong$691.5M10.0%0.04%vs
HomeTown BankBank Carver, MN64 out of 100, Moderate$691.9M8.3%0.37%vs
American Heritage National BankBank Long Prairie, MN80 out of 100, Strong$604.7M11.9%0.00%vs
North Shore Bank of CommerceBank Duluth, MN71 out of 100, Strong$598.5M8.7%0.14%vs

Deposit insurance

Is my money safe at BankVista?

Yes. BankVista is an FDIC-insured institution (FDIC certificate #35406). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 34.1% of deposits ($184.2M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.93%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.80% (benchmark: 10%).

Check how much of your own balance is covered

3 locations

Branches

BankVista lists 3 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
BankVista
Type
State-chartered bank
FDIC certificate #
35406
RSSD ID
2849285
Primary regulator
FDIC
Holding company
Abdo Investments Inc
Established
February 15, 2000
Headquarters
125 Twin Rivers Ct, Sartell, MN 56377
Employees
70

Quick answers

BankVista: common questions

Is BankVista FDIC insured?

Yes. BankVista is an FDIC-insured institution (FDIC certificate #35406). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is BankVista's TellerScore?

46 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has BankVista ever failed?

There is no failure record for FDIC certificate #35406 in the FDIC failed bank list.

How many branches does BankVista have?

3 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Sartell

InstitutionScoreAssetsCapitalProblem loansCompare
Liberty Bank MinnesotaBank Saint Cloud, MN86 out of 100, Very strong$290.2M12.9%0.00%vs
Lake Central BankBank Annandale, MN86 out of 100, Very strong$291.3M11.2%0.04%vs
The First National Bank of MilacaBank Milaca, MN81 out of 100, Strong$293.2M10.8%0.37%vs
American Heritage National BankBank Long Prairie, MN80 out of 100, Strong$604.7M11.9%0.00%vs
Battle Bank, National AssociationBank Upsala, MN79 out of 100, Strong$180.8M33.3%0.00%vs
Pine Country BankBank Little Falls, MN78 out of 100, Strong$380.3M10.2%0.06%vs