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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

4.22%Q2 ’244.29%Q2 ’254.60%Q2 ’26-1%+13%

Non-interest income vs. expense

1.18%Q2 ’241.24%Q2 ’251.28%Q2 ’26+4%-8%

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 1.70%, up 38 bps year over year; NIM at 3.37%.
  • Asset quality: problem loans at 0.03% of loans (-10 bps YoY), with net charge-offs at 0.00%.
  • 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 (quarter, annualized)

1.70%+38 bps YoY

Net Interest Margin (quarter, annualized)

3.37%+38 bps YoY

Efficiency Ratio (quarter, annualized)

37.55%-553 bps YoY

Tier 1 Leverage Ratio

16.70%-24 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.31%1.32%1.48%1.43%1.70%+38 bps
Return on Equity8.50%8.41%9.42%9.16%10.79%+230 bps
Net Interest Margin2.99%3.00%3.17%3.10%3.37%+38 bps
Efficiency Ratio43.09%46.62%43.33%43.66%37.55%-553 bps
Non-Interest Burden1.33%1.35%1.30%1.26%1.22%-11 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 / Loans0.03%0.00%-0.01%-0.02%0.00%-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