Headquartered in Kent, Minnesota, Vantage Bank is a state-chartered bank with $85.0M in total assets and $75.4M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1902.
Based on its Q2 2026 filing, Vantage Bank scores 68/100, which we describe as moderate. That is higher than only 33% of 546 banks with under $100 million in assets. Among 223 banks headquartered in Minnesota, it ranks 127th. Its strongest component is earnings (93/100; 1.84%), and its lowest is capital cushion (35/100; 8.47%).
TellerScore · Q2 2026
Scorecard
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
From Q2 2025 to Q2 2026, the score fell 3 points (71 → 68), mostly because the loan quality component weakened by 12 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 70 |
| Q3 2024 | 70 |
| Q4 2024 | 69 |
| Q1 2025 | 70 |
| Q2 2025 | 71 |
| Q3 2025 | 71 |
| Q4 2025 | 72 |
| Q1 2026 | 74 |
| Q2 2026 | 68 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.62% |
| Q3 2024 | 8.64% |
| Q4 2024 | 8.60% |
| Q1 2025 | 8.74% |
| Q2 2025 | 8.62% |
| Q3 2025 | 8.78% |
| Q4 2025 | 8.81% |
| Q1 2026 | 9.12% |
| Q2 2026 | 8.47% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.35% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.59% |
| Q3 2024 | 1.58% |
| Q4 2024 | 1.47% |
| Q1 2025 | 1.57% |
| Q2 2025 | 1.67% |
| Q3 2025 | 1.73% |
| Q4 2025 | 1.65% |
| Q1 2026 | 1.74% |
| Q2 2026 | 1.84% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 68 | $85.0M | 8.47% | 0.35% | 1.84% | 104.0% |
| Q1 2026 | 74 | $80.8M | 9.12% | 0.00% | 1.74% | 99.9% |
| Q4 2025 | 72 | $76.3M | 8.81% | 0.00% | 1.65% | 104.9% |
| Q3 2025 | 71 | $74.9M | 8.78% | 0.00% | 1.73% | 111.8% |
| Q2 2025 | 71 | $74.8M | 8.62% | 0.00% | 1.67% | 112.8% |
| Q1 2025 | 70 | $71.0M | 8.74% | 0.00% | 1.57% | 113.0% |
| Q4 2024 | 69 | $71.0M | 8.60% | 0.00% | 1.47% | 109.4% |
| Q3 2024 | 70 | $69.9M | 8.64% | 0.00% | 1.58% | 112.9% |
| Q2 2024 | 70 | $66.1M | 8.62% | 0.00% | 1.59% | 116.1% |
546 peers · Under $100 million in assets
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).
Similar-size banks in Minnesota
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Security Bank - CanbyBank Canby, MN | 97 out of 100, Very strong | $85.2M | 14.1% | 0.08% | vs |
| Bank of Maple PlainBank Maple Plain, MN | 72 out of 100, Strong | $85.5M | 14.1% | 1.80% | vs |
| Lowry State BankBank Lowry, MN | 39 out of 100, Low | $84.1M | 9.6% | 3.18% | vs |
| The First National Bank of GilbertBank Gilbert, MN | 59 out of 100, Moderate | $86.0M | 7.1% | 0.16% | vs |
| The First State Bank of Red WingBank Red Wing, MN | 52 out of 100, Below average | $86.3M | 9.0% | 1.07% | vs |
| Farmers & Merchants State Bank of New York Mills, IncorporatedBank New York Mills, MN | 64 out of 100, Moderate | $83.5M | 13.3% | 2.28% | vs |
Deposit insurance
Is my money safe at Vantage Bank?
Yes. Vantage Bank is an FDIC-insured institution (FDIC certificate #9733). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 20.2% of deposits ($15.2M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 8.47%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 11.37% (benchmark: 10%).
2 locations
Branches
Vantage Bank lists 2 offices in 2 cities. Most locations:
- Alexandria, MN (1)
- Kent, MN (1)
Identity & history
Profile
- Legal name
- Vantage Bank
- Former names
- Kent State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 9733
- RSSD ID
- 58355
- Primary regulator
- FDIC
- Holding company
- Minndak Bancshares Inc
- Established
- July 14, 1902
- Headquarters
- 202 Main St, Kent, MN 56553
- Website
- www.vantagebankmn.com
- Employees
- 10
Quick answers
Vantage Bank: common questions
Is Vantage Bank FDIC insured?
Yes. Vantage Bank is an FDIC-insured institution (FDIC certificate #9733). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Vantage Bank's TellerScore?
68 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Vantage Bank ever failed?
There is no failure record for FDIC certificate #9733 in the FDIC failed bank list.
How many branches does Vantage Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Kent
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Midwest BankBank Detroit Lakes, MN | 74 out of 100, Strong | $984.5M | 9.8% | 0.05% | vs |
| Kindred State BankBank Kindred, ND | 73 out of 100, Strong | $43.3M | 8.4% | 0.13% | vs |
| First Community Credit UnionCredit union Jamestown, ND | 71 out of 100, Strong | $1.5B | 12.3% | 0.61% | vs |
| Peoples State Bank, Fairmount, N. D.Bank Fairmount, ND | 70 out of 100, Strong | $38.5M | 8.4% | 0.00% | vs |
| American Federal BankBank Fargo, ND | 66 out of 100, Moderate | $795.8M | 9.3% | 0.00% | vs |
| Gate City BankBank Fargo, ND | 65 out of 100, Moderate | $4.0B | 9.8% | 0.69% | vs |