Bank call report · Vermont, IL
Vermont State Bank Call Report
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Vermont State Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 260 reported line items, schedule by schedule (780 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 187648 |
| FDIC certificate number | 16585 |
| Total assets | $31.0M |
Official Q2 2026 call report PDF (FFIEC) →
Vermont State Bank call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (23 items)
About Schedule RC · Vermont State Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $31.0M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $31.0M |
| Total Liabilities and Minority Interest | RCON2948 | $22.4M |
| Total Deposits | RCON2200 | $21.0M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $14.2M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $13.5M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $12.5M |
| Total Equity Capital | RCON3210 | $8.6M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $8.6M |
| Deposits: Noninterest-bearing | RCON6631 | $8.5M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $7.5M |
| Interest-bearing Balances | RCON0071 | $6.0M |
| Surplus | RCON3839 | $6.0M |
| Undivided Profits and Capital Reserves | RCON3632 | $2.7M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $2.0M |
| Other Assets | RCON2160 | $1.5M |
| Other Liabilities, Total | RCON2930 | $1.4M |
| Allowance for Loan and Lease Losses | RCON3123 | $664K |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $368K |
| Accumulated Other Comprehensive Income | RCONB530 | -$251K |
| Other Real Estate Owned | RCON2150 | $85K |
| Common Stock | RCON3230 | $70K |
| Perpetual Preferred Stock and Related Surplus | RCON3838 | $50K |
Schedule RI: Income Statement (31 items)
About Schedule RI · Vermont State Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Noninterest Income | RIAD4079 | $5.5M |
| Other Noninterest Income | RIADB497 | $5.5M |
| Total Noninterest Expense | RIAD4093 | $4.6M |
| Other Noninterest Expense | RIAD4092 | $3.5M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $1.4M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $1.4M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $985K |
| Net Income (Loss) | RIAD4340 | $985K |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $985K |
| Salaries and Employee Benefits | RIAD4135 | $890K |
| Total Interest Income | RIAD4107 | $645K |
| Net Interest Income | RIAD4074 | $455K |
| Interest and Fee Income on Loans, Total | RIAD4010 | $426K |
| Applicable Income Taxes | RIAD4302 | $380K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $248K |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $234K |
| Total Interest Expense | RIAD4073 | $190K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $152K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $107K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $103K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $93K |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $66K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $35K |
| Provision for Loan and Lease Losses | RIAD4230 | $30K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $30K |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $20K |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $13K |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $9K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $5K |
| Savings Deposits (Including Mmdas) | RIAD0093 | $3K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 18 |
Schedule RC-B: Securities (17 items)
About Schedule RC-B · Vermont State Bank securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $7.8M |
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCON1286 | $6.0M |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCON1287 | $6.0M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $6.0M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $6.0M |
| Pledged Securities | RCON0416 | $1.1M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $1.1M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK144 | $736K |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK145 | $650K |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $572K |
| Amortized Cost of Structured Notes | RCON8782 | $500K |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $500K |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $465K |
| Fair Value of Structured Notes | RCON8783 | $447K |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $447K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $272K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $193K |
Schedule RC-C, Part I: Loans and Leases (29 items)
About Schedule RC-C, Part I · Vermont State Bank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $14.2M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $8.4M |
| Pledged Loans and Leases | RCONG378 | $6.5M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $4.9M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $2.6M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $2.4M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $2.1M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $2.1M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $1.6M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $1.4M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $1.2M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $1.2M |
| Real Estate Loans Secured by Farmland | RCON1420 | $852K |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $815K |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $690K |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $580K |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONHK25 | $551K |
| Commercial and Industrial Loans | RCON1766 | $526K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty and in Compliance with Modified Terms: Loans Secured by 1-4 Family Residential Properties in Domestic Offices | RCONF576 | $410K |
| Obligations (Other Than Securities and Leases) of States and Political Subdivisions in the U.S. | RCON2107 | $311K |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $270K |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $221K |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $194K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Commercial and Industrial Loans | RCONK256 | $128K |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $109K |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $28K |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $24K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - All Other Loans | RCONK165 | $13K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other Consumer Loans That Exceed 10 Percent of Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONK204 | $13K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (10 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5583 | $628K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5581 | $142K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5579 | $81K |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5585 | $28K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) | RCON5563 | 262 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) | RCON5562 | 67 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 2 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5580 | 2 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5582 | 2 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5584 | 2 |
Schedule RC-E: Deposit Liabilities (22 items)
About Schedule RC-E · Vermont State Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $12.5M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $11.6M |
| Total Demand Deposits (See Note Below) | RCON2210 | $8.5M |
| Total Transaction Accounts | RCON2215 | $8.5M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $6.8M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $4.3M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $4.1M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $3.6M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $2.9M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $2.9M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $2.4M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $1.9M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $1.8M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK15 | $1.6M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $1.4M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $951K |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $916K |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $285K |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $285K |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less (Fully Insured Brokered Deposits) | RCONHK05 | $150K |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK06 | $150K |
| Total Brokered Deposits | RCON2365 | $150K |
Schedule RC-F: Other Assets (7 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Assets | RCON2168 | $818K |
| Accounts Receivable | RCONFT34 | $730K |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $340K |
| Net Deferred Tax Assets | RCON2148 | $248K |
| Accrued Interest Receivable | RCONB556 | $68K |
| First Itemized Amount That Exceeds 25% of All Other Assets (2168) | RCON3549 | $41K |
| Prepaid Expenses | RCON2166 | $16K |
Schedule RC-G: Other Liabilities (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $1.3M |
| Second Itemized Amount That Exceeds 25% of All Other Liabilities (2938) or (2942) | RCON3553 | $1.0M |
| First Itemized Amount That Exceeds 25% of All Other Liabilities (2938) or (2942) | RCON3552 | $298K |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $86K |
Schedule RC-K: Quarterly Averages (12 items)
About Schedule RC-K · Vermont State Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $31.1M |
| Quarterly Average of Total Loans | RCON3360 | $13.4M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $8.5M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $7.8M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $6.5M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $6.3M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $3.2M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $2.4M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $2.3M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $1.9M |
| Mortgage-backed Securities | RCONB559 | $1.3M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $534K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (4 items)
About Schedule RC-L · Vermont State Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Year-to-date Merchant Credit Card Sales Volume: Sales for Which the Reporting Bank Is the Acquiring Bank | RCONC223 | $209.9M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $161K |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $115K |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $6K |
Schedule RC-M: Memoranda (2 items)
About Schedule RC-M · Vermont State Bank memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Real Estate Owned: 1-4 Family Residential Properties in Domestic Offices | RCON5510 | $85K |
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $57K |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (11 items)
About Schedule RC-N · Vermont State Bank past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $720K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $419K |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $275K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $218K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, Nonaccrual | RCONF182 | $146K |
| Additions to Nonaccrual Assets | RCONC410 | $116K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-nonaccural | RCONC230 | $90K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Nonaccrual | RCONK215 | $44K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $33K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 30 Through 89 Days and Still Accruing | RCONK213 | $24K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Nonaccrual | RCONK218 | $21K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (8 items)
About Schedule RC-O · Vermont State Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $31.1M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $21.8M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $19.5M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $8.7M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $2.4M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 1,010 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 5 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R: Regulatory Capital (2 items)
About Schedule RC-R · Vermont State Bank regulatory capital trends
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (26 items)
About Schedule RC-R, Part I · Vermont State Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $31.1M |
| Average Total Assets (Net of Deductions) | RCOAA224 | $31.0M |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $13.8M |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $8.9M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $8.7M |
| Common Equity Tier 1 Capital | RCOAP859 | $8.7M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $8.7M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $8.5M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $6.1M |
| Retained Earnings | RCOAKW00 | $2.7M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$251K |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$251K |
| General Loan and Lease Valuation Allowances | RCOA5310 | $178K |
| Tier 2 (Supplementary) Capital | RCOA5311 | $178K |
| Tier 2 Capital Before Deductions | RCOAP870 | $178K |
| Deferred Tax Assets (DTAS) That Arise from Net Operating Loss and Tax Credit Carryforwards, Net of Any Related Valuation Allowances and Net of Dtls | RCOAP843 | $74K |
| Less: Deductions from Common Equity Tier 1 Capital and Additional Tier 1 Capital (Sum of Items 6, 7, 8, 10.B, 11, 13 Through 17 and Certain Elements of Item 24 - See Instructions) | RCOAP875 | $74K |
| Additional Tier 1 Capital | RCOAP865 | $50K |
| Additional Tier 1 Capital Before Deductions | RCOAP863 | $50K |
| Additional Tier 1 Capital Instruments Plus Related Surplus | RCOAP860 | $50K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.6461 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.6332 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.6296 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.5661 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.2817 |
Schedule RC-R, Part II: Risk-Weighted Assets (38 items)
About Schedule RC-R, Part II · Vermont State Bank risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $14.3M |
| Total Risk-weighted Assets | RCONG641 | $13.8M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $11.2M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $11.2M |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $9.3M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $9.3M |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $9.3M |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $8.5M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $8.1M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $8.0M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $8.0M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $7.5M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $6.4M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $6.0M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $5.4M |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $5.4M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $5.3M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $4.0M |
| Total All Other Assets | RCOND981 | $3.6M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $3.4M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $3.0M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $3.0M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $1.8M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $1.1M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$840K |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $601K |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $528K |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $317K |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $282K |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$250K |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category | RCONS455 | $211K |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $211K |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $211K |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $211K |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $113K |
| All Other Assets - Adjustments to Totals Reported in Column a | RCONS469 | $74K |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 50% | RCONS529 | $56K |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $56K |
Schedule RI-A: Changes in Bank Equity Capital (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $8.6M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $7.6M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $7.6M |
| Other Comprehensive Income | RIADB511 | -$3K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (7 items)
About Schedule RI-B, Part I · Vermont State Bank charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $13K |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $10K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $8K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $5K |
| Charge-offs on Commercial and Industrial Loans | RIAD4638 | $3K |
| Recoveries on Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens | RIADC217 | $2K |
| Recoveries on Automobile Loans | RIADK133 | $1K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (3 items)
About Schedule RI-B, Part II · Vermont State Bank changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $664K |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $639K |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $13K |
Vermont State Bank call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Vermont State Bank call report?
The Vermont State Bank call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Vermont State Bank file?
Vermont State Bank files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Vermont State Bank call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Vermont State Bank has Federal Reserve RSSD ID 187648 and FDIC certificate number 16585. Either one finds its filings on the FFIEC Central Data Repository.
How often does Vermont State Bank file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Vermont State Bank financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 16585) · FFIEC NIC profile (RSSD 187648)