Vermillion State 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: 477.45 percentage points lower than in Q1 2026, at 657.78%. Among 221 Minnesota banks, Vermillion State Bank sits 9th from the top on return on assets, 2.60% as of Q2 2026. Against a median of 1.25% for banks in the $100M-1B asset tier, Vermillion State Bank reported 2.60% on return on assets in Q2 2026, 1.35 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 13.40% |
| Equity capital to assets | 13.05% |
| Tangible equity to tangible assets | 13.05% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.24% |
| Non-performing assets ratio | 0.20% |
| Net charge-off ratio | -0.06% |
| Texas ratio | 1.43% |
| Allowance for credit losses to loans | 1.57% |
| Reserve coverage of non-performing loans | 657.78% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.60% |
| Return on equity | 19.93% |
| Net interest margin | 3.29% |
| Efficiency ratio | 22.31% |
| Yield on earning assets | 5.21% |
| Cost of funds | 2.19% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 52.54% |
| Core deposits to total deposits | 93.36% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.60% |
| Securities to assets | 45.87% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 13.27% | 1.74% | 2.45% | 0.18% | -0.29% |
| Q4 2023 | 13.06% | -0.42% | 2.69% | 0.18% | -2.22% |
| Q1 2024 | 12.79% | 1.89% | 2.57% | 0.18% | -0.04% |
| Q2 2024 | 13.21% | 2.09% | 2.81% | 0.17% | 0.07% |
| Q3 2024 | 13.50% | 2.29% | 3.01% | 0.17% | -0.08% |
| Q4 2024 | 12.39% | 1.64% | 3.23% | 0.16% | -0.03% |
| Q1 2025 | 13.07% | 2.48% | 3.27% | 0.16% | -0.32% |
| Q2 2025 | 12.78% | 2.46% | 3.43% | 0.16% | -0.30% |
| Q3 2025 | 12.77% | 2.73% | 3.47% | 0.16% | -0.01% |
| Q4 2025 | 12.74% | 1.54% | 3.49% | 0.14% | 0.59% |
| Q1 2026 | 13.11% | 2.53% | 3.26% | 0.14% | -0.18% |
| Q2 2026 | 13.40% | 2.60% | 3.29% | 0.24% | -0.06% |
Vermillion State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Vermillion State 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 Vermillion State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10214) · FFIEC NIC profile (RSSD 208057)