This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
Red Wing, MN
Health score
54.4
Total assets
$86.3M
Answer first
The First State Bank of Red Wing leads on capitalization; Vantage Bank leads on financial health and profitability and lending quality and growth. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
Vantage Bank
Higher TFS health score
Capitalization
The First State Bank of Red Wing
Higher comparable capital ratio
Profitability
Vantage Bank
Higher return on assets
Lending quality
Vantage Bank
Lower problem-loan measure
Growth
Vantage Bank
Higher year-over-year asset growth
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | The First State Bank of Red Wing | Vantage Bank |
|---|---|---|
| TFS health score | 54.4/100 | 76.1/100Leads |
| Total assets | $86.3M | $85.0M |
| Total deposits / shares | $83.1M | $75.4M |
| Tier 1 capital ratio | 8.96%Leads | 8.47% |
| Return on assets | -0.02% | 1.84%Leads |
| Return on equity | -0.66% | 20.76% |
The First State Bank of Red Wing
3 branches
Vantage Bank
2 branches
Both institutions report branches in 1 state: MN.
The First State Bank of Red Wing
Unavailable
Vantage Bank
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
The First State Bank of Red Wing
0 in TFS registry
Vantage Bank
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | The First State Bank of Red Wing score | The First State Bank of Red Wing ROA | Vantage Bank score | Vantage Bank ROA |
|---|---|---|---|---|
| 2024-Q3 | — | 0.05% | — | 1.58% |
| 2024-Q4 | — | 0.08% | — | 1.47% |
| 2025-Q1 | — | -0.31% | — | 1.57% |
| 2025-Q2 | — | -0.05% | — | 1.67% |
| 2025-Q3 | — | 0.13% | — | 1.73% |
| 2025-Q4 | — | 0.18% | — | 1.65% |
| 2026-Q1 | 56.0/100 |
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Coverage boundaries
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Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Every valid pair is viewable; pairs enter search automatically only when current data, comparability, and visitor interest meet the publication rules.
| Non-performing loans | 1.07% | 0.35%Leads |
| Net charge-offs | 0.00% | 0.00% |
| Efficiency ratio | 100.78% | 56.52%Leads |
| Loan-to-deposit ratio | 41.18% | 104.02% |
| Asset growth (YoY) | 1.62% | 13.61%Leads |
| Deposit / share growth (YoY) | 0.54% | 23.44%Leads |
| Branches | 3 | 2 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
| -0.07% |
| 81.2/100 |
| 1.74% |
| 2026-Q2 | 54.4/100 | -0.02% | 76.1/100 | 1.84% |