Vermont 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.
Reserve coverage of non-performing loans dropped 7.76 percentage points in Q2 2026, from 60.00% to 52.24%. It was the largest change from Q1 2026 among the key lines here. Among 323 Illinois banks, Vermont State Bank sits 2nd from the top on return on assets, 5.80% as of Q2 2026. Vermont State Bank's return on assets of 5.80% is well above the 0.98% median for banks in the < $100M asset tier, a gap of 4.82 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 62.96% |
| Tier 1 risk-based capital ratio | 63.32% |
| Total risk-based capital ratio | 64.61% |
| Tier 1 leverage ratio | 28.17% |
| Equity capital to assets | 27.65% |
| Tangible equity to tangible assets | 27.65% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 8.97% |
| Non-performing assets ratio | 4.38% |
| Net charge-off ratio | -0.03% |
| Texas ratio | 14.70% |
| Allowance for credit losses to loans | 4.69% |
| Reserve coverage of non-performing loans | 52.24% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 5.80% |
| Return on equity | 21.64% |
| Net interest margin | 3.33% |
| Efficiency ratio | 79.66% |
| Yield on earning assets | 4.64% |
| Cost of funds | 1.70% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 67.41% |
| Core deposits to total deposits | 90.27% |
| Brokered deposits to total deposits | 0.71% |
| Deposits to assets | 67.85% |
| Securities to assets | 24.33% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 39.18% | 39.18% | 40.45% | 23.84% | -1.89% |
| Q4 2023 | 40.76% | 40.76% | 42.04% | 22.70% | -0.93% |
| Q1 2024 | 34.97% | 34.97% | 36.24% | 22.35% | -2.17% |
| Q2 2024 | 39.59% | 39.59% | 40.87% | 23.02% | 3.48% |
| Q3 2024 | 43.13% | 43.49% | 44.76% | 22.78% | 4.07% |
| Q4 2024 | 52.47% | 52.88% | 54.21% | 24.19% | 4.43% |
| Q1 2025 | 48.84% | 48.84% | 50.13% | 24.56% | 2.87% |
| Q2 2025 | 48.81% | 49.16% | 50.46% | 25.42% | 4.39% |
| Q3 2025 | 50.14% | 50.49% | 51.78% | 27.06% | 4.50% |
| Q4 2025 | 54.41% | 54.77% | 56.05% | 27.51% | 4.18% |
| Q1 2026 | 58.69% | 59.05% | 60.34% | 26.47% | 6.85% |
| Q2 2026 | 62.96% | 63.32% | 64.61% | 28.17% | 5.80% |
Vermont State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Vermont 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 Vermont State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16585) · FFIEC NIC profile (RSSD 187648)