VERMONT STATE BANK

VERMONT, IL | Micro | Est. June 9, 1947, midnight | FDIC #16585 | RSSD #187648 | FDIC
Latest Report: 2025-12-31

VERMONT STATE BANK is amn micro FDIC-insured commercial bank headquartered in VERMONT, IL, established in June 9, 1947, midnight. As of 2025-12-31, the bank reported total assets of $31M and total deposits of $22M. Profitability stands at 4.05% ROA and 15.65% ROE, with a net interest margin of 3.10%. The bank's CET1 capital ratio is 54.41%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 4.88% and a Texas Ratio of 10.22%. FDIC Certificate #16585.

Assets

$31M

Deposits

$22M

Loans

$14M

Equity

$8M

Profitability

Return on Assets (ROA) 4.05%
Return on Equity (ROE) 15.65%
Net Interest Margin (NIM) 3.10%
Yield on Assets 4.52%
Cost of Funds 2.51%

Asset Quality

NPL Ratio 4.88%
Net Charge-Off Ratio 0.68%
Texas Ratio 10.22%
NPA Ratio 2.69%
ACL / Loans 4.65%

Capital & Liquidity

CET1 Ratio 54.41%
Tier 1 Capital 54.77%
Total Capital Ratio 56.05%
Leverage Ratio 27.51%
Loan-to-Deposit 61.26%

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