Vermillion State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Vermillion State Bank of Vermillion, MN against its peer group of 2672 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 | 2.60% | 1.34% | +1.26% | 95th top |
| ROAE | 19.93% | 12.05% | +7.88% | 87th top |
| Net Interest Margin | 3.29% | 3.90% | -0.61% | 20th bottom |
| Efficiency Ratio | 22.31% | 63.16% | -40.85% | 99th top |
| PPNR / Avg Assets | 2.60% | 1.64% | +0.96% | 91st top |
| Yield on Earning Assets | 5.21% | 5.65% | -0.44% | 31st below |
| Cost of Funds | 2.19% | 1.85% | +0.34% | 27th below |
| Net Interest Spread | 2.65% | 3.35% | -0.70% | 19th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.24% | 0.92% | -0.68% | 61st above |
| NPA / Total Assets | 0.20% | 0.67% | -0.47% | 60th above |
| NCO / Avg Loans | -0.06% | 0.15% | -0.21% | 95th top |
| ACL / Total Loans | 1.57% | 1.28% | +0.29% | 82nd top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 657.78% | 1645.56% | -987.78% | 76th top |
| Texas Ratio | 1.43% | 7.15% | -5.72% | 68th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 13.40% | 12.46% | +0.94% | 78th top |
| Equity / Assets | 13.05% | 11.67% | +1.38% | 79th top |
| TCE / Tangible Assets | 13.05% | 11.40% | +1.65% | 81st top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 52.54% | 78.65% | -26.11% | 90th top |
| Core Deposit Ratio | 93.36% | 87.09% | +6.27% | 76th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.32% | 6.47% | -1.15% | 57th above |
| Loan Growth (Y/Y) | 3.61% | 7.64% | -4.03% | 40th below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.80% | 6.02% | -1.22% | 56th above |
See Vermillion State Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Vermillion State Bank, 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 Vermillion State Bank profile, how to read a UBPR, or how this data updates.