Vermont State Bank
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Data as of · sourced from FFIEC call reports. How we update
Vermont State Bank is an FDIC-insured commercial bank headquartered in Vermont, IL, established in 1947 (FDIC certificate 16585), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $31.0M, up 15.6% from Q2 2025, the 306th largest of 319 banks headquartered in Illinois.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 16585
- Headquarters
- Vermont, IL
- Established
- 1947
- Total assets, Q2 2026
- $31.0M
- Assets vs Q2 2025
- +15.6%
- Capital ratio
- Not reported
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 071122205
- Asset rank in state
- 306th of 319 in Illinois
Vermont State Bank is one of the more profitable banks of its size. Its balance sheet stood at $31 million at June 30, 2026, up 15.6% from a year earlier; it is based in Vermont, Illinois. It returns 21.6% a year on shareholders' equity, 2.5 times the median of 8.6% for the 583 banks with less than $100 million in assets. It also grew deposits 9.5% over the year, 3.8 times the median of 2.5% for banks its size.
Earnings jumped: net income for the quarter was $451,000, 50% above the same quarter a year earlier. Over the same year, loans shrank 0.5% and deposits grew 9.5%. Credit is the area to watch: it carries problem assets equal to 8.7% of the capital and reserves that would absorb them, 6.3 times the median of 1.4% for banks its size.
As of June 30, 2026, Vermont State Bank reported a CET1 capital ratio of 62.96%, a return on assets of 5.80%, a nonperforming-loan ratio of 5.08% and a Texas ratio of 8.72%. The figures come from its call report filed with the FFIEC.
Of the 319 banks headquartered in Illinois, Vermont State Bank is the 306th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 0.3% to $31.0M, loans rose 3.0% and deposits fell 3.1%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 60.3% of total loans, ahead of auto loans at 8.4%. Its one office in the FDIC Summary of Deposits is in Vermont, IL. Judged on its Q2 2026 call report, Vermont State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 106 N Main St, Vermont, IL 61484
- County
- Fulton
- Metro Area
- Canton, 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
- —
- Call Report form
- FFIEC 051
- Established
- June 9, 1947
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 18
- Domestic deposits
- $21.0M
- Allowance for credit losses
- $664K
- Net charge-offs (YTD)
- $5K
- Average total assets
- $31.1M
- Average total loans
- $13.4M
- Average interest-bearing deposits
- $12.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 9, 1947
- FDIC Cert
- 16585
- Fed RSSD
- 187648
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
Over the 12 quarters to Q2 2026, Vermont State Bank's total assets ran between $24.3M (Q1 2024) and $31.2M (Q4 2025), and it earned a profit in 9 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$31.0M total assets against $26.8M; $22.4M total liabilities against $19.8M.
$13.5M net loans and leases against $13.5M; $21.0M total deposits against $19.2M.
$7.5M securities against $1.6M; $6.4M cash and balances due against $8.5M.
$323K total interest income against $310K; $91K total interest expense against $98K.
$232K net interest income against $212K.
$2.8M total noninterest income against $2.4M; $2.4M total noninterest expense against $2.1M.
$0 provision for credit losses against $0.
$451K net income against $301K.
5.80% return on assets against 4.39%; 3.33% net interest margin against 3.38%.
62.96% CET1 capital ratio against 48.81%; 28.17% tier 1 leverage ratio against 25.42%.
Inside the full Vermont State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Vermont State Bank rankings
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 2.87% (Q1 2025) to 6.85% (Q1 2026) and its net interest margin ran from 3.16% (Q1 2026) to 3.44% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 62.96% | 5.80% | 5.08% | 8.72% | 3.33% |
| Q1 2026 | 58.69% | 6.85% | 5.15% | 9.55% | 3.16% |
| Q4 2025 | 54.41% | 4.18% | 4.88% | 10.22% | 3.30% |
| Q3 2025 | 50.14% | 4.50% | 6.30% | 12.98% | 3.40% |
| Q2 2025 | 48.81% | 4.39% | 4.91% | 10.95% | 3.38% |
| Q1 2025 | 48.84% | 2.87% | 6.17% | 13.22% | 3.17% |
| Q4 2024 | 52.47% | 4.43% | 7.39% | 15.60% | 3.23% |
| Q3 2024 | 43.13% | 4.07% | 9.59% | 22.08% | 3.44% |
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Branch Network
View the branch → 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 |
|---|---|---|---|
| Vermont State Bank (main office) | Vermont , IL | 61484 | $21.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 370 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $248K approved, $248K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2016 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 Vermont State Bank
What are Vermont State Bank's total assets?
As of the Q2 2026 filing, Vermont State Bank reported total assets of $31.0 million in its FFIEC call report.
Where is Vermont State Bank headquartered?
It is headquartered in Vermont, IL, United States.
When was Vermont State Bank founded?
It was established in 1947, per the FDIC institution directory.
Is Vermont State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #16585). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Vermont State Bank?
Vermont State Bank's primary federal regulator is the FDIC.
What is Vermont State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 62.96% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Vermont State Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Vermont State Bank's Texas Ratio?
Its Texas Ratio is 8.72% 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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