PackageTrendsPeer
Letter portraitLegal landscape

Vermillion State Bank

Vermillion, MN · Cert 10214 · Peer group: banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (n=53) · Vermillion Bancshares Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

$931.4MAssets
$423.8MLoans
$806.6MDeposits
$121.5MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 100% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (rank 1 of 53).
  • Widest gap: net interest margin trails 81% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (rank 43 of 53).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

2.01%

Rank 3 of 53

Net Interest Margin

3.19%

Rank 43 of 53

Efficiency Ratio

23.23%

Rank 1 of 53

Equity / Assets

13.05%

Rank 5 of 53

Non-interest income vs. expense

$1.4M$7.2MINCOMEEXPENSE
Unfavorable gap of $5.8M · efficiency ratio beats 100% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area
Bank 23.23%Peer median 65.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.01%0.73%1.11%1.30%Beats 94%3 / 53
Return on Equity15.40%7.88%12.20%14.12%Beats 85%8 / 53
Net Interest Margin3.19%3.39%3.77%4.09%Beats 19%43 / 53
Efficiency Ratio23.23%56.05%65.05%71.57%Beats 100%1 / 53
Asset Quality
Nonperforming Loans / Loans0.24%0.14%0.52%1.20%Beats 64%20 / 53
Net Charge-Offs / Loans0.00%0.00%0.01%0.08%Beats 72%16 / 53
Capital
Tier 1 Capital Ratio13.40%10.73%12.98%15.08%Beats 57%23 / 53
Total Risk-Based Capital Ratio13.40%11.49%13.79%16.34%Beats 43%30 / 53
Equity / Assets13.05%8.08%9.25%10.72%Beats 91%5 / 53
Liquidity & Funding
Loans / Deposits52.54%72.13%82.29%93.80%6th pctl50 / 53
Loans / Assets45.50%63.64%71.80%79.37%6th pctl50 / 53
Brokered Deposits / Depositsn/aNot reported for this institution