Vermillion State Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loan-to-deposit ratio climbed 1.76 percentage points in Q2 2026, from 50.79% to 52.54%. It was the largest change from Q1 2026 among the key lines here. Vermillion State Bank has the 23rd lowest loan-to-deposit ratio of the 221 banks headquartered in Minnesota, at 52.54% as of Q2 2026. Vermillion State Bank reported 52.54% on loan-to-deposit ratio for Q2 2026, 28.29 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $423.8M |
| Net loans and leases | $417.2M |
| Loans held for sale | $366K |
| Loans to total assets | 45.50% |
| Loan-to-deposit ratio | 52.54% |
| Net loans to equity capital | 3.43% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 26.80% |
| Multifamily (5+ residential) | 0.05% |
| Commercial and industrial | 17.05% |
| Consumer | 2.25% |
| Credit cards | 0.00% |
| Farm | 11.88% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 17.98% |
| Construction concentration (Tier 1 capital + allowance) | 2.40% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.58% |
| Interest income on loans | $6.9M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $364.6M | $710.0M | 27.90% | 20.69% | 2.53% |
| Q4 2023 | $375.8M | $735.1M | 27.45% | 19.67% | 2.76% |
| Q1 2024 | $369.2M | $743.7M | 27.78% | 19.20% | 3.03% |
| Q2 2024 | $382.2M | $723.7M | 28.07% | 18.79% | 3.18% |
| Q3 2024 | $383.1M | $739.6M | 27.79% | 18.95% | 2.67% |
| Q4 2024 | $402.5M | $740.2M | 27.16% | 18.27% | 2.49% |
| Q1 2025 | $403.5M | $744.8M | 27.39% | 17.32% | 2.59% |
| Q2 2025 | $409.1M | $769.6M | 26.79% | 17.47% | 2.51% |
| Q3 2025 | $411.5M | $787.9M | 26.32% | 17.89% | 2.44% |
| Q4 2025 | $414.9M | $808.7M | 27.47% | 16.79% | 2.10% |
| Q1 2026 | $412.8M | $812.7M | 26.77% | 16.77% | 2.20% |
| Q2 2026 | $423.8M | $806.6M | 26.80% | 17.05% | 2.25% |
Vermillion State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Vermillion State Bank, freeSource: Call Report Schedule RC-C, 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 Vermillion State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10214) · FFIEC NIC profile (RSSD 208057)