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Vermont State Bank

Vermont, IL · Cert 16585

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in IL3

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 in IL (n=149 to 151). 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

98

Q2 2024Q2 2026peer median (50)

Asset Quality

12

Q2 2024Q2 2026peer median (50)

Profitability

72

Q2 2024Q2 2026peer median (50)

Liquidity

85

Q2 2024Q2 2026peer median

Efficiency

21

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

Vermont State Bank

Vermont, IL · Cert 16585

State charter, non-member · FDIC · 1 branch

Q2 2026

$31.0MAssets
$14.2MLoans
$21.0MDeposits
$8.6MEquity
Loan mix
81%RE $10.9M4%C&I $0.5M15%Consumer $2.0MQ2 2025Q2 2026
Deposit mix
59%Interest-bearing $12.5M41%Noninterest $8.5MQ2 2025Q2 2026

NIM

4.54%Q2 ’244.43%Q2 ’254.15%Q2 ’26+2%-4%

Non-interest income vs. expense

21.78%Q2 ’2430.08%Q2 ’2529.62%Q2 ’26-194%-186%

Executive Summary

  • Earnings: ROA of 6.34%, up 270 bps year over year; NIM at 2.93%.
  • Asset quality: problem loans at 5.08% of loans (+17 bps YoY), with net charge-offs at 0.07%.
  • Capital: tier 1 leverage ratio of 28.17%, up 275 bps from a year ago.
  • Funding: loans stand at 67.41% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

6.34%+270 bps YoY

Net Interest Margin (YTD, annualized)

2.93%-11 bps YoY

Efficiency Ratio (YTD, annualized)

76.75%-869 bps YoY

Tier 1 Leverage Ratio

28.17%+275 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets3.63%3.94%3.91%6.86%6.34%+270 bps
Return on Equity14.82%15.59%15.61%27.23%24.37%+955 bps
Net Interest Margin3.05%3.08%2.97%2.88%2.93%-11 bps
Efficiency Ratio85.45%85.19%85.12%73.76%76.75%-869 bps
Non-Interest Burden-2.11%-2.52%-2.57%-7.10%-6.05%-393 bps
Growth
Asset Growth (YoY)6.02%-3.63%17.72%9.85%15.59%+957 bps
Loan Growth (YoY)-3.08%-3.74%-8.91%-7.57%-0.53%+255 bps
Deposit Growth (YoY)2.08%-7.68%15.08%3.47%9.54%+746 bps
Asset Quality
Nonperforming Loans / Loans4.91%6.30%4.88%5.15%5.08%+17 bps
Net Charge-Offs / Loans0.35%0.37%0.68%0.17%0.07%-28 bps
Allowance / Loans4.96%4.87%4.65%4.82%4.69%-28 bps
Allowance Coverage of NPLs1.0x0.8x1.0x0.9x0.9x-0.1x
Capital
Tier 1 Leverage Ratio25.42%27.06%27.51%26.47%28.17%+275 bps
Total Risk-Based Capital50.46%51.78%56.05%60.34%64.61%+1,416 bps
Equity / Assets25.95%27.74%24.30%26.09%27.65%+170 bps
Liquidity & Funding
Loans / Deposits74.23%75.40%61.26%63.42%67.41%-683 bps
Liquid Assets / Assets30.45%22.61%28.62%22.39%19.33%-1,112 bps
CRE / Total Capitaln/a23.94%22.58%18.77%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

Vermont State Bank

Vermont, IL · Cert 16585 · Peer group: banks under $1B in assets in IL (n=149-151)

State charter, non-member · FDIC · 1 branch

Q2 2026

$31.0MAssets
$14.2MLoans
$21.0MDeposits
$8.6MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 99% of banks under $1B in assets in IL (rank 1 of 151).
  • Widest gap: nonperforming loans / loans trails 97% of banks under $1B in assets in IL (rank 145 of 149).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

6.36%

Rank 1 of 151

Net Interest Margin

2.93%

Rank 122 of 151

Efficiency Ratio

76.75%

Rank 121 of 151

Equity / Assets

27.65%

Rank 4 of 151

Non-interest income vs. expense

$11.1M$9.2MINCOMEEXPENSE
Favorable gap of $1.9M · efficiency ratio beats 21% of banks under $1B in assets in IL
Bank 76.75%Peer median 64.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets6.36%0.70%1.03%1.34%Beats 99%1 / 151
Return on Equity23.01%6.74%9.34%12.94%Beats 99%2 / 151
Net Interest Margin2.93%3.02%3.43%3.83%Beats 19%122 / 151
Efficiency Ratio76.75%54.64%64.89%72.50%Beats 21%121 / 151
Asset Quality
Nonperforming Loans / Loans5.08%0.20%0.66%1.77%Beats 3%145 / 149
Net Charge-Offs / Loans0.09%0.00%0.02%0.07%Beats 20%120 / 149
Capital
Tier 1 Capital Ratio63.32%11.83%14.17%18.66%Beats 98%3 / 151
Total Risk-Based Capital Ratio64.61%12.22%14.54%19.92%Beats 98%3 / 151
Equity / Assets27.65%9.10%10.65%12.40%Beats 97%4 / 151
Liquidity & Funding
Loans / Deposits67.41%54.39%71.02%80.75%42nd pctl86 / 149
Loans / Assets45.74%45.91%61.31%68.01%24th pctl115 / 151
Brokered Deposits / Depositsn/aNot reported for this institution