PackageTrendsPeer
Letter portraitLegal landscape

Vermilion Valley Bank

Piper City, IL · Cert 11667 · Piper Bankshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

92

Q2 2024Q2 2026peer median (50)

Asset Quality

73

Q2 2024Q2 2026peer median (50)

Profitability

50

Q2 2024Q2 2026peer median (50)

Liquidity

80

Q2 2024Q2 2026peer median

Efficiency

97

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Vermilion Valley Bank

Piper City, IL · Cert 11667 · Piper Bankshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$198.2MAssets
$115.0MLoans
$160.1MDeposits
$31.1MEquity
Loan mix
93%RE $79.2M4%C&I $3.5M2%Consumer $2.1MQ2 2025Q2 2026
Deposit mix
80%Interest-bearing $128.8M20%Noninterest $31.3MQ2 2025Q2 2026

NIM

4.17%Q2 ’244.19%Q2 ’254.41%Q2 ’26-3%+8%

Non-interest income vs. expense

1.35%Q2 ’241.40%Q2 ’251.33%Q2 ’26+6%-3%

Market Position · Champaign-Urbana, IL · 2026 SOD (annual) · 1.1% share · #20 of 33 inst. · $0.1B of $8.7B

18.2% Ford
4.4% Livingston

Executive Summary

  • Earnings: ROA of 1.56%, up 22 bps year over year; NIM at 3.20%.
  • Asset quality: problem loans at 0.03% of loans (-10 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 16.70%, down 24 bps from a year ago.
  • Funding: loans stand at 71.82% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.56%+22 bps YoY

Net Interest Margin (YTD, annualized)

3.20%+24 bps YoY

Efficiency Ratio (YTD, annualized)

40.49%-510 bps YoY

Tier 1 Leverage Ratio

16.70%-24 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.34%1.33%1.37%1.43%1.56%+22 bps
Return on Equity8.81%8.64%8.90%9.16%9.98%+117 bps
Net Interest Margin2.95%2.91%2.93%3.10%3.20%+24 bps
Efficiency Ratio45.59%45.94%45.24%43.66%40.49%-510 bps
Non-Interest Burden1.27%1.27%1.26%1.26%1.23%-4 bps
Growth
Asset Growth (YoY)3.72%6.07%7.79%8.60%10.13%+641 bps
Loan Growth (YoY)8.08%5.99%3.76%3.11%6.71%-137 bps
Deposit Growth (YoY)4.82%10.40%8.06%10.58%9.76%+494 bps
Asset Quality
Nonperforming Loans / Loans0.13%0.63%0.28%0.60%0.03%-10 bps
Net Charge-Offs / Loans0.01%0.01%0.01%-0.02%-0.01%-3 bps
Allowance / Loans1.15%1.10%1.09%1.13%1.09%-6 bps
Allowance Coverage of NPLs9.2x1.8x3.9x1.9x43.0x+33.9x
Capital
Tier 1 Leverage Ratio16.94%16.66%16.62%16.72%16.70%-24 bps
Total Risk-Based Capital27.65%28.02%26.97%27.41%27.61%-4 bps
Equity / Assets15.56%15.93%15.51%15.71%15.70%+14 bps
Liquidity & Funding
Loans / Deposits73.87%74.26%75.18%68.34%71.82%-205 bps
Liquid Assets / Assets1.30%1.14%1.43%3.35%1.80%+51 bps
CRE / Total Capitaln/a4.65%4.42%3.65%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Vermilion Valley Bank

Piper City, IL · Cert 11667 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Piper Bankshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$198.2MAssets
$115.0MLoans
$160.1MDeposits
$31.1MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 97% of banks under $1B in assets operating in a single state (rank 26 of 746).
  • Widest gap: net interest margin trails 74% of banks under $1B in assets operating in a single state (rank 551 of 746).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.53%

Rank 162 of 746

Net Interest Margin

3.20%

Rank 551 of 746

Efficiency Ratio

40.49%

Rank 26 of 746

Equity / Assets

15.70%

Rank 82 of 746

Non-interest income vs. expense

$0.2M$2.6MINCOMEEXPENSE
Unfavorable gap of $2.4M · efficiency ratio beats 97% of banks under $1B in assets operating in a single state
Bank 40.49%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.53%0.72%1.06%1.45%Beats 78%162 / 746
Return on Equity9.76%6.74%10.51%13.63%Beats 45%413 / 746
Net Interest Margin3.20%3.17%3.68%4.16%Beats 26%551 / 746
Efficiency Ratio40.49%55.74%64.58%75.47%Beats 97%26 / 746
Asset Quality
Nonperforming Loans / Loans0.03%0.09%0.42%1.07%Beats 81%144 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 65%264 / 743
Capital
Tier 1 Capital Ratio26.59%11.55%13.75%17.60%Beats 93%55 / 746
Total Risk-Based Capital Ratio27.61%11.71%14.33%18.43%Beats 93%52 / 746
Equity / Assets15.70%8.90%10.51%13.06%Beats 89%82 / 746
Liquidity & Funding
Loans / Deposits71.82%61.31%78.27%90.78%38th pctl463 / 746
Loans / Assets58.03%53.60%66.97%76.08%32nd pctl505 / 746
Brokered Deposits / Depositsn/aNot reported for this institution