VERMILION BANK & TRUST COMPANY

KAPLAN, LA | Small | Est. March 8, 1958, midnight | FDIC #17841 | RSSD #754536 | FDIC
Latest Report: 2025-12-31

VERMILION BANK & TRUST COMPANY is asn small FDIC-insured commercial bank headquartered in KAPLAN, LA, established in March 8, 1958, midnight. As of 2025-12-31, the bank reported total assets of $170M and total deposits of $152M. Profitability stands at 2.45% ROA and 23.35% ROE, with a net interest margin of 4.32%. The bank's CET1 capital ratio is 22.36%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.45% and a Texas Ratio of 5.71%. FDIC Certificate #17841.

Assets

$170M

Deposits

$152M

Loans

$67M

Equity

$17M

Profitability

Return on Assets (ROA) 2.45%
Return on Equity (ROE) 23.35%
Net Interest Margin (NIM) 4.32%
Yield on Assets 5.09%
Cost of Funds 0.80%

Asset Quality

NPL Ratio 1.45%
Net Charge-Off Ratio 0.11%
Texas Ratio 5.71%
NPA Ratio 0.60%
ACL / Loans 1.75%

Capital & Liquidity

CET1 Ratio 22.36%
Tier 1 Capital 22.36%
Total Capital Ratio 23.61%
Leverage Ratio 11.83%
Loan-to-Deposit 44.27%

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