Vermilion Bank & Trust Company
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Data as of · sourced from FFIEC call reports. How we update
Vermilion Bank & Trust Company is an FDIC-insured commercial bank headquartered in Kaplan, LA, established in 1958 (FDIC certificate 17841), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $145.5M, little changed from Q2 2025, the 85th largest of 102 banks headquartered in Louisiana. Its CET1 capital ratio was 23.97% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 17841
- Headquarters
- Kaplan, LA
- Established
- 1958
- Total assets, Q2 2026
- $145.5M
- Assets vs Q2 2025
- 0.0%
- CET1 ratio, Q2 2026
- 23.97%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 065204993
- Latest call report
- Q2 2026, FFIEC 051 · Vermilion Bank & Trust Company call report
- Holding company
- VERMILION BANCSHARES CORPORATION
- Asset rank in state
- 85th of 102 in Louisiana
Problem loans are rising at Vermilion Bank & Trust Company. It reported $145 million in assets at June 30, 2026. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.17% of loans from 1.56% a year earlier. It pays an average of 0.81% on its deposits and borrowings, about half the median of 1.80% for the 2,660 banks with $100 million to $1 billion in assets. It also holds commercial real estate loans equal to only 30% of its capital, a small fraction of the median of 1.2 times for banks its size.
Credit is the area to watch: it carries problem assets equal to 8.0% of the capital and reserves that would absorb them, about triple the median of 2.6% for banks its size.
As of June 30, 2026, Vermilion Bank & Trust Company reported a CET1 capital ratio of 23.97%, a return on assets of 1.75%, a nonperforming-loan ratio of 2.17% and a Texas ratio of 8.01%. The figures come from its call report filed with the FFIEC.
Vermilion Bank & Trust Company ranks as the 85th largest of the 102 banks based in Louisiana, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 2.4% to $145.5M, loans rose 3.6% and deposits fell 3.3%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 32.2% of total loans, followed by owner-occupied commercial real estate loans at 22.6%. Its 3 offices in the FDIC Summary of Deposits are in Kaplan, LA and Gueydan, LA; its Kaplan 2 offices book 93% of its branch deposits. By the capital ratios in its Q2 2026 call report, Vermilion Bank & Trust Company meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 420 N Cushing Ave, Kaplan, LA 70548
- County
- Vermilion
- Metro Area
- Lafayette, LA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- March 8, 1958
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 25
- Domestic deposits
- $126.1M
- Allowance for credit losses
- $1.2M
- Net charge-offs (YTD)
- $11K
- Average total assets
- $149.7M
- Average total loans
- $68.5M
- Average interest-bearing deposits
- $94.1M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 8, 1958
- FDIC Cert
- 17841
- Fed RSSD
- 754536
- Website
- http://www.vermilionbank.com →
- Parent Holding Company
- VERMILION BANCSHARES CORPORATION (RSSD 1141898)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Vermilion Bank & Trust Company's total assets ranged from $140.5M (Q3 2023) to $169.7M (Q4 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$145.5M total assets against $145.4M; $127.8M total liabilities against $130.0M.
$68.5M net loans and leases against $67.3M; $126.1M total deposits against $128.1M.
$25.9M securities against $29.0M; $48.1M cash and balances due against $46.2M.
$1.8M total interest income against $1.8M; $260K total interest expense against $297K.
$1.5M net interest income against $1.5M.
$267K total noninterest income against $244K; $1.1M total noninterest expense against $1.0M.
$30K provision for credit losses against $60K.
$655K net income against $705K.
1.75% return on assets against 1.87%; 4.28% net interest margin against 4.20%.
23.97% CET1 capital ratio against 22.31%; 12.55% tier 1 leverage ratio against 11.31%.
Inside the full Vermilion Bank & Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeVermilion Bank & Trust Company rankings
Its closest position to the top of a national ranking is 185 of 2,134, for CET1 ratio; its furthest is 3,329 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.75% (Q2 2026) to 2.55% (Q4 2025) and its net interest margin ran from 4.07% (Q3 2024) to 4.33% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 23.97% | 1.75% | 2.17% | 8.01% | 4.28% |
| Q1 2026 | 23.83% | 2.00% | 1.56% | 5.69% | 4.26% |
| Q4 2025 | 22.36% | 2.55% | 1.45% | 5.71% | 4.32% |
| Q3 2025 | 22.69% | 2.01% | 1.52% | 5.99% | 4.33% |
| Q2 2025 | 22.31% | 1.87% | 1.56% | 7.06% | 4.20% |
| Q1 2025 | 21.77% | 1.92% | 1.66% | 7.69% | 4.09% |
| Q4 2024 | 20.46% | 2.22% | 1.84% | 8.06% | 4.19% |
| Q3 2024 | 21.68% | 2.13% | 1.64% | 6.88% | 4.07% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Vermilion Bank & Trust Company (main office) | Kaplan , LA | 70548 | $116.7M |
| Gueydan Branch | Gueydan , LA | 70542 | $9.4M |
| West-End Motor Branch | Kaplan , LA | 70548 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in LA, rank 95 of 118 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $460K approved, $460K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1998 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Vermilion Bank & Trust Company
What are Vermilion Bank & Trust Company's total assets?
As of the Q2 2026 filing, Vermilion Bank & Trust Company reported total assets of $145.5 million in its FFIEC call report.
Where is Vermilion Bank & Trust Company headquartered?
It is headquartered in Kaplan, LA, United States.
When was Vermilion Bank & Trust Company founded?
It was established in 1958, per the FDIC institution directory.
Is Vermilion Bank & Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #17841). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Vermilion Bank & Trust Company?
Vermilion Bank & Trust Company's primary federal regulator is the FDIC.
What is Vermilion Bank & Trust Company's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 23.97% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Vermilion Bank & Trust Company operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Vermilion Bank & Trust Company's Texas Ratio?
Its Texas Ratio is 8.01% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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