Vermont State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Vermont State Bank of Vermont, IL against its peer group of 536 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 | 5.80% | 3.32% | +2.48% | 94th top |
| ROAE | 21.64% | 8.26% | +13.38% | 93rd top |
| Net Interest Margin | 3.33% | 3.93% | -0.60% | 25th below |
| Efficiency Ratio Ahead of the peer average, behind the median peer. | 79.66% | 84.48% | -4.82% | 32nd below |
| PPNR / Avg Assets | 7.96% | 1.55% | +6.41% | 97th top |
| Yield on Earning Assets | 4.64% | 5.24% | -0.60% | 27th below |
| Cost of Funds | 1.70% | 1.67% | +0.03% | 42nd below |
| Net Interest Spread | 1.82% | 3.30% | -1.48% | 7th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 8.97% | 1.41% | +7.56% | 2nd bottom |
| NPA / Total Assets | 4.38% | 0.70% | +3.68% | 3rd bottom |
| NCO / Avg Loans | -0.03% | 0.15% | -0.18% | 88th top |
| ACL / Total Loans | 4.69% | 1.52% | +3.17% | 98th top |
| ACL / NPLs (Coverage) | 52.24% | 723.25% | -671.01% | 19th bottom |
| Texas Ratio | 14.70% | 8.55% | +6.15% | 12th bottom |
| Provision / NCO | 600.00% | 283.43% | +316.57% | 91st top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 62.96% | 126.93% | -63.97% | 82nd top |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 63.32% | 126.94% | -63.62% | 82nd top |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 64.61% | 127.83% | -63.22% | 82nd top |
| Leverage Ratio | 28.17% | 22.07% | +6.10% | 87th top |
| Equity / Assets | 27.65% | 20.71% | +6.94% | 87th top |
| TCE / Tangible Assets | 27.48% | 20.47% | +7.01% | 87th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit Ahead of the peer average, behind the median peer. | 67.41% | 74.27% | -6.86% | 49th below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 90.27% | 88.30% | +1.97% | 43rd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 15.59% | 3.80% | +11.79% | 93rd top |
| Loan Growth (Y/Y) | -0.53% | 6.86% | -7.39% | 38th below |
| Deposit Growth (Y/Y) | 9.54% | 2.96% | +6.58% | 83rd top |
See Vermont State Bank's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Vermont 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 Vermont State Bank profile, how to read a UBPR, or how this data updates.