Bank Comparison
Pineries Bank, the vs Vermilion Bank & Trust Company
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 14
winning metrics across 22 comparable rows
Capital adequacy
| Metric | Pineries Bank, the | Vermilion Bank & Trust Company |
|---|---|---|
| CET1 Ratio | 21.59% | 23.83% |
| Tier 1 Capital Ratio | 21.59% | 23.83% |
| Total Capital Ratio | 22.47% | 25.09% |
| Tier 1 Leverage Ratio | 11.08% | 11.96% |
| Equity / Assets | 11.21% | 11.58% |
Profitability
| Metric | Pineries Bank, the | Vermilion Bank & Trust Company |
|---|---|---|
| Return on Assets (ROA) | 1.51% | 2.00% |
| Return on Equity (ROE) | 13.53% | 18.04% |
| Net Interest Margin (NIM) | 3.38% | 4.26% |
| Yield on Earning Assets | 4.96% | 4.96% |
| Cost of Funds | 1.69% | 0.74% |
Asset quality
| Metric | Pineries Bank, the | Vermilion Bank & Trust Company |
|---|---|---|
| Texas Ratio | 0.00% | 6.67% |
| Non-Performing Loan Ratio | 0.00% | 1.83% |
| Non-Performing Asset Ratio | 0.00% | 0.83% |
| Net Charge-Off Ratio | 0.00% | 0.05% |
| ACL / Loans | 0.64% | 1.73% |
Balance sheet
| Metric | Pineries Bank, the | Vermilion Bank & Trust Company |
|---|---|---|
| Total Assets | $149,428K | $149,038K |
| Total Deposits | $131,324K | $130,424K |
| Total Loans | $97,064K | $67,306K |
| Total Equity | $16,751K | $17,264K |
| Net Income (quarter) | $560 | $767 |
Liquidity & funding
| Metric | Pineries Bank, the | Vermilion Bank & Trust Company |
|---|---|---|
| Loan-to-Deposit Ratio | 73.91% | 51.61% |
| Core Deposit Ratio | 91.33% | 87.24% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Pineries Bank, the | Vermilion Bank & Trust Company |
|---|---|---|
| Headquarters City | STEVENS POINT | KAPLAN |
| Headquarters State | WI | LA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 3 |
| Employees (FTE) | 11 | 26 |
| Established | June 1, 1906, midnight | March 8, 1958, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
View full Pineries Bank, the profile | View full Vermilion Bank & Trust Company profile | Browse all bank comparisons