Vermilion Valley Bank: 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 16714.29 percentage points higher than in Q1 2026, at 17828.57%. On return on assets, Vermilion Valley Bank ranks 25th highest among the 323 banks headquartered in Illinois, at 2.06% (Q2 2026). Vermilion Valley Bank's return on assets of 2.06% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.80 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 26.59% |
| Tier 1 risk-based capital ratio | 26.59% |
| Total risk-based capital ratio | 27.61% |
| Tier 1 leverage ratio | 16.70% |
| Equity capital to assets | 15.70% |
| Tangible equity to tangible assets | 15.39% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.01% |
| Non-performing assets ratio | 0.06% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.46% |
| Allowance for credit losses to loans | 1.09% |
| Reserve coverage of non-performing loans | 17828.57% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.06% |
| Return on equity | 13.17% |
| Net interest margin | 3.71% |
| Efficiency ratio | 34.80% |
| Yield on earning assets | 4.98% |
| Cost of funds | 1.49% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 71.82% |
| Core deposits to total deposits | 87.46% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 80.81% |
| Securities to assets | 37.98% |
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 | 29.78% | 29.78% | 31.03% | 16.43% | 1.69% |
| Q4 2023 | 25.55% | 25.55% | 26.63% | 16.56% | 1.71% |
| Q1 2024 | 25.97% | 25.97% | 27.06% | 16.34% | 1.71% |
| Q2 2024 | 26.91% | 26.91% | 28.06% | 16.78% | 1.62% |
| Q3 2024 | 27.29% | 27.29% | 28.45% | 16.78% | 1.60% |
| Q4 2024 | 25.41% | 25.41% | 26.48% | 16.64% | 1.45% |
| Q1 2025 | 25.78% | 25.78% | 26.85% | 16.83% | 1.62% |
| Q2 2025 | 26.57% | 26.57% | 27.65% | 16.94% | 1.55% |
| Q3 2025 | 26.95% | 26.95% | 28.02% | 16.66% | 1.55% |
| Q4 2025 | 25.95% | 25.95% | 26.97% | 16.62% | 1.70% |
| Q1 2026 | 26.39% | 26.39% | 27.41% | 16.72% | 1.75% |
| Q2 2026 | 26.59% | 26.59% | 27.61% | 16.70% | 2.06% |
Vermilion Valley Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Vermilion Valley Bank, 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 Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11667) · FFIEC NIC profile (RSSD 666844)