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
Favorable gap of $1.9M · efficiency ratio beats 21% of banks under $1B in assets in IL | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 6.36% | 0.70% | 1.03% | 1.34% | Beats 99% | 1 / 151 | |
| Return on Equity | 23.01% | 6.74% | 9.34% | 12.94% | Beats 99% | 2 / 151 | |
| Net Interest Margin | 2.93% | 3.02% | 3.43% | 3.83% | Beats 19% | 122 / 151 | |
| Efficiency Ratio | 76.75% | 54.64% | 64.89% | 72.50% | Beats 21% | 121 / 151 | |
| Asset Quality |
| Nonperforming Loans / Loans | 5.08% | 0.20% | 0.66% | 1.77% | Beats 3% | 145 / 149 | |
| Net Charge-Offs / Loans | 0.09% | 0.00% | 0.02% | 0.07% | Beats 20% | 120 / 149 | |
| Capital |
| Tier 1 Capital Ratio | 63.32% | 11.83% | 14.17% | 18.66% | Beats 98% | 3 / 151 | |
| Total Risk-Based Capital Ratio | 64.61% | 12.22% | 14.54% | 19.92% | Beats 98% | 3 / 151 | |
| Equity / Assets | 27.65% | 9.10% | 10.65% | 12.40% | Beats 97% | 4 / 151 | |
| Liquidity & Funding |
| Loans / Deposits | 67.41% | 54.39% | 71.02% | 80.75% | 42nd pctl | 86 / 149 | |
| Loans / Assets | 45.74% | 45.91% | 61.31% | 68.01% | 24th pctl | 115 / 151 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |