Vermilion Bank & Trust Company: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 25.85 percentage points in Q2 2026, from 94.72% to 68.86%. It was the largest change from Q1 2026 among the key lines here. Within Louisiana, Vermilion Bank & Trust Company is 22nd of 103 on return on assets, 1.75% as of Q2 2026, above the middle of the field. Vermilion Bank & Trust Company reported 1.75% on return on assets for Q2 2026, 0.50 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 23.97% |
| Tier 1 risk-based capital ratio | 23.97% |
| Total risk-based capital ratio | 25.22% |
| Tier 1 leverage ratio | 12.55% |
| Equity capital to assets | 12.19% |
| Tangible equity to tangible assets | 12.19% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.48% |
| Non-performing assets ratio | 1.19% |
| Net charge-off ratio | 0.02% |
| Texas ratio | 9.14% |
| Allowance for credit losses to loans | 1.71% |
| Reserve coverage of non-performing loans | 68.86% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.75% |
| Return on equity | 14.97% |
| Net interest margin | 4.28% |
| Efficiency ratio | 61.80% |
| Yield on earning assets | 5.00% |
| Cost of funds | 0.81% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 55.30% |
| Core deposits to total deposits | 86.60% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.68% |
| Securities to assets | 17.79% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 19.77% | 19.77% | 21.04% | 10.88% | 1.79% |
| Q4 2023 | 19.23% | 19.23% | 20.49% | 10.75% | 2.26% |
| Q1 2024 | 20.73% | 20.73% | 22.00% | 9.99% | 1.82% |
| Q2 2024 | 20.92% | 20.92% | 22.19% | 10.48% | 1.90% |
| Q3 2024 | 21.68% | 21.68% | 22.95% | 10.91% | 2.13% |
| Q4 2024 | 20.46% | 20.46% | 21.73% | 11.11% | 2.22% |
| Q1 2025 | 21.77% | 21.77% | 23.04% | 10.99% | 1.92% |
| Q2 2025 | 22.31% | 22.31% | 23.58% | 11.31% | 1.87% |
| Q3 2025 | 22.69% | 22.69% | 23.96% | 11.80% | 2.01% |
| Q4 2025 | 22.36% | 22.36% | 23.61% | 11.83% | 2.55% |
| Q1 2026 | 23.83% | 23.83% | 25.09% | 11.96% | 2.00% |
| Q2 2026 | 23.97% | 23.97% | 25.22% | 12.55% | 1.75% |
Vermilion Bank & Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Vermilion Bank & Trust Company, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Vermilion Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17841) · FFIEC NIC profile (RSSD 754536)