Vermilion Valley Bank
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Data as of · sourced from FFIEC call reports. How we update
Vermilion Valley Bank is an FDIC-insured commercial bank headquartered in Piper City, IL, established in 1913 (FDIC certificate 11667), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $198.2M, up 10.1% from Q2 2025, the 196th largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 26.59% 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
- 11667
- Headquarters
- Piper City, IL
- Established
- 1913
- Total assets, Q2 2026
- $198.2M
- Assets vs Q2 2025
- +10.1%
- CET1 ratio, Q2 2026
- 26.59%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 071110000
- Holding company
- PIPER BANKSHARES, INC.
- Asset rank in state
- 196th of 319 in Illinois
Vermilion Valley Bank runs leaner than most banks of its size. Its balance sheet stood at $198 million at June 30, 2026, up 10.1% from a year earlier; it is based in Piper City, Illinois. It spends about 35 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). It also holds common equity equal to 26.59% of its risk-weighted assets, higher than about 9 in 10 banks its size (median 15.12%).
Earnings jumped: net income for the quarter was $1.0 million, 44% above the same quarter a year earlier. Over the same year, loans grew 6.7% and deposits grew 9.8%.
As of June 30, 2026, Vermilion Valley Bank reported a CET1 capital ratio of 26.59%, a return on assets of 2.06%, a nonperforming-loan ratio of 0.03% and a Texas ratio of 0.46%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Vermilion Valley Bank is the 196th largest of the 319 banks headquartered in Illinois. From Q1 2026 to Q2 2026, its total assets rose 2.3% to $198.2M, loans rose 3.8% and deposits fell 1.2%. Its loan book on June 30, 2026 was led by farmland and other real estate loans, at 52.1% of total loans, followed by agricultural production loans at 22.0%. The FDIC Summary of Deposits lists 4 offices for it, in 4 cities in IL; its Piper City office books 31% of its branch deposits. Judged on its Q2 2026 call report, Vermilion Valley Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 4 E Peoria St, Piper City, IL 60959
- County
- Ford
- Metro Area
- Champaign-Urbana, IL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- July 25, 1913
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 21
- Domestic deposits
- $160.1M
- Allowance for credit losses
- $1.2M
- Net charge-offs (YTD)
- -$6K
- Average total assets
- $197.1M
- Average total loans
- $111.2M
- Average interest-bearing deposits
- $131.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11667
- Fed RSSD
- 666844
- Website
- www.vermilionvalleybank.com →
- Parent Holding Company
- PIPER BANKSHARES, INC. (RSSD 1398991)
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
Vermilion Valley Bank's total assets moved between a low of $169.5M (Q3 2023) and a high of $198.2M (Q2 2026) from Q3 2023 to Q2 2026, 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
$198.2M total assets against $179.9M; $167.0M total liabilities against $151.9M.
$113.8M net loans and leases against $106.5M; $160.1M total deposits against $145.9M.
$75.3M securities against $66.0M; $4.8M cash and balances due against $3.3M.
$2.3M total interest income against $1.9M; $613K total interest expense against $596K.
$1.7M net interest income against $1.4M.
$31K total noninterest income against -$41K; $632K total noninterest expense against $564K.
No provision recorded in the last 12 quarters.
$1.0M net income against $703K.
2.06% return on assets against 1.55%; 3.71% net interest margin against 3.27%.
26.59% CET1 capital ratio against 26.57%; 16.70% tier 1 leverage ratio against 16.94%.
Inside the full Vermilion Valley Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeVermilion Valley Bank rankings
Its closest position to the top of a national ranking is 85 of 3,606, for efficiency ratio; its furthest is 2,982 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.45% (Q4 2024) to 2.06% (Q2 2026) and its net interest margin ran from 3.22% (Q1 2025) to 3.71% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 26.59% | 2.06% | 0.03% | 0.46% | 3.71% |
| Q1 2026 | 26.39% | 1.75% | 0.60% | 2.16% | 3.47% |
| Q4 2025 | 25.95% | 1.70% | 0.28% | 1.05% | 3.49% |
| Q3 2025 | 26.95% | 1.55% | 0.63% | 2.35% | 3.30% |
| Q2 2025 | 26.57% | 1.55% | 0.13% | 0.47% | 3.27% |
| Q1 2025 | 25.78% | 1.62% | 0.12% | 0.47% | 3.22% |
| Q4 2024 | 25.41% | 1.45% | 0.17% | 0.71% | 3.25% |
| Q3 2024 | 27.29% | 1.60% | 0.34% | 1.31% | 3.24% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 Valley Bank (main office) | Piper City , IL | 60959 | $49.5M |
| Roberts Branch | Roberts , IL | 60962 | $47.6M |
| Cullom Branch | Cullom , IL | 60929 | $39.8M |
| Chatsworth Branch | Chatsworth , IL | 60921 | $23.2M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 7, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 7, 2002 | Structure Change | Acquired Roberts State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 8, 1992 | Structure Change | Acquired Kempton State Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| February 7, 1992 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 28, 1991 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 27, 1991 | Structure Change | Acquired The First National Bank of Cullom Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 248 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 49 applications, 49 loans originated, $6.4M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, SBA 7(a) lending, 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 Valley Bank
What are Vermilion Valley Bank's total assets?
As of the Q2 2026 filing, Vermilion Valley Bank reported total assets of $198.2 million in its FFIEC call report.
Where is Vermilion Valley Bank headquartered?
It is headquartered in Piper City, IL, United States.
When was Vermilion Valley Bank founded?
It was established in 1913, per the FDIC institution directory.
Is Vermilion Valley Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #11667). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Vermilion Valley Bank?
Vermilion Valley Bank's primary federal regulator is the FDIC.
What is Vermilion Valley Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 26.59% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Vermilion Valley Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Vermilion Valley Bank's Texas Ratio?
Its Texas Ratio is 0.46% 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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