Side-by-side · Q2 2026 data
Frandsen Bank & Trust vs Vermillion State Bank
Metric by metric
| Measure | Frandsen Bank & Trust | Vermillion State Bank |
|---|---|---|
| TellerScore | 71 | 90 (stronger) |
| Capital cushion | 50 | 84 (stronger) |
| Loan quality | 76 | 92 (stronger) |
| Earnings | 93 | 100 (stronger) |
| Funding & liquidity | 62 | 83 (stronger) |
| Problem-loan coverage | 89 | 97 (stronger) |
| Peer percentile | 63rd | 95th |
| Total assets | $3.7B | $931.4M |
| Deposits / shares | $3.1B | $806.6M |
| Capital ratio | 10.02% | 13.40% (stronger) |
| Problem loans | 0.71% | 0.24% (stronger) |
| Net charge-offs | 0.11% | -0.12% (stronger) |
| Return on assets | 1.82% | 2.56% (stronger) |
| Loans ÷ deposits | 79.5% | 51.7% (stronger) |
| Uninsured deposits | 31.8% | 30.2% (stronger) |
| Offices | 39 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.9% | 0.0% |
Vermillion State Bank has the higher TellerScore (90 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Frandsen Bank & Trust leads on 0 and Vermillion State Bank on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Rosemount, MN