PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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