Vermilion Bank & Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Vermilion Bank & Trust Company of Kaplan, LA against its peer group of 2601 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.75% | 1.34% | +0.41% | 76th top |
| ROAE | 14.97% | 13.32% | +1.65% | 66th above |
| Net Interest Margin | 4.28% | 3.93% | +0.35% | 69th above |
| Efficiency Ratio | 61.80% | 61.13% | +0.67% | 49th below |
| PPNR / Avg Assets | 1.83% | 1.68% | +0.15% | 64th above |
| Yield on Earning Assets | 5.00% | 5.67% | -0.67% | 24th bottom |
| Cost of Funds | 0.81% | 1.88% | -1.07% | 95th top |
| Net Interest Spread | 3.89% | 3.32% | +0.57% | 79th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.48% | 0.94% | +1.54% | 9th bottom |
| NPA / Total Assets | 1.19% | 0.70% | +0.49% | 16th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.02% | 0.16% | -0.14% | 35th below |
| ACL / Total Loans | 1.71% | 1.28% | +0.43% | 87th top |
| ACL / NPLs (Coverage) | 68.86% | 1546.34% | -1477.48% | 18th bottom |
| Texas Ratio | 9.14% | 7.34% | +1.80% | 24th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 272.73% | 1395.08% | -1122.35% | 64th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 23.97% | 19.48% | +4.49% | 86th top |
| Tier 1 Ratio | 23.97% | 19.52% | +4.45% | 86th top |
| Total Capital Ratio | 25.22% | 20.60% | +4.62% | 87th top |
| Leverage Ratio | 12.55% | 12.14% | +0.41% | 71st above |
| Equity / Assets | 12.19% | 11.36% | +0.83% | 73rd above |
| TCE / Tangible Assets | 12.19% | 11.08% | +1.11% | 75th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 55.30% | 80.67% | -25.37% | 87th top |
| Core Deposit Ratio | 86.60% | 86.85% | -0.25% | 37th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.04% | 6.84% | -6.80% | 20th bottom |
| Loan Growth (Y/Y) | 0.23% | 7.92% | -7.69% | 23rd bottom |
| Deposit Growth (Y/Y) | -1.57% | 6.29% | -7.86% | 15th bottom |
See Vermilion Bank & Trust Company's peers by name
The 2601 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Vermilion Bank & Trust Company, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Vermilion Bank & Trust Company profile, how to read a UBPR, or how this data updates.