VERMILION VALLEY BANK

PIPER CITY, IL | Small | Est. July 25, 1913, midnight | FDIC #11667 | RSSD #666844 | FDIC
Latest Report: 2025-12-31

VERMILION VALLEY BANK is asn small FDIC-insured commercial bank headquartered in PIPER CITY, IL, established in July 25, 1913, midnight. As of 2025-12-31, the bank reported total assets of $192M and total deposits of $151M. Profitability stands at 1.72% ROA and 10.93% ROE, with a net interest margin of 3.46%. The bank's CET1 capital ratio is 25.95%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.09% and a Texas Ratio of 0.33%. FDIC Certificate #11667.

Assets

$192M

Deposits

$151M

Loans

$113M

Equity

$30M

Profitability

Return on Assets (ROA) 1.72%
Return on Equity (ROE) 10.93%
Net Interest Margin (NIM) 3.46%
Yield on Assets 4.93%
Cost of Funds 1.61%

Asset Quality

NPL Ratio 0.09%
Net Charge-Off Ratio 0.01%
Texas Ratio 0.33%
NPA Ratio 0.05%
ACL / Loans 1.09%

Capital & Liquidity

CET1 Ratio 25.95%
Tier 1 Capital 25.95%
Total Capital Ratio 26.97%
Leverage Ratio 16.62%
Loan-to-Deposit 75.18%

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