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
Unfavorable gap of $2.4M · efficiency ratio beats 97% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.53% | 0.72% | 1.06% | 1.45% | Beats 78% | 162 / 746 | |
| Return on Equity | 9.76% | 6.74% | 10.51% | 13.63% | Beats 45% | 413 / 746 | |
| Net Interest Margin | 3.20% | 3.17% | 3.68% | 4.16% | Beats 26% | 551 / 746 | |
| Efficiency Ratio | 40.49% | 55.74% | 64.58% | 75.47% | Beats 97% | 26 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.03% | 0.09% | 0.42% | 1.07% | Beats 81% | 144 / 743 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 65% | 264 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 26.59% | 11.55% | 13.75% | 17.60% | Beats 93% | 55 / 746 | |
| Total Risk-Based Capital Ratio | 27.61% | 11.71% | 14.33% | 18.43% | Beats 93% | 52 / 746 | |
| Equity / Assets | 15.70% | 8.90% | 10.51% | 13.06% | Beats 89% | 82 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 71.82% | 61.31% | 78.27% | 90.78% | 38th pctl | 463 / 746 | |
| Loans / Assets | 58.03% | 53.60% | 66.97% | 76.08% | 32nd pctl | 505 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |