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Vermont State Bank
Vermont, IL · FDIC Certificate #16585 · Chartered 06/0
Total assets
$30.97M
Total deposits
$21.02M
Total equity
$8.56M
Net loans
$13.50M
Branches (offices)
1
Net income (YTD)
$985.00K
Rank: #4,142 of 4,213 U.S. banks by assets · #309 of 322 in Illinois. Assets changed 15.6% and deposits 9.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 6.34% |
| Return on equity | 24.37% |
| Net interest margin (YTD) | 3.32% |
| Equity to assets | 27.65% |
| Tier 1 leverage ratio | 28.17% |
| Uninsured deposits (share of deposits) | 5.3% |
| Noncurrent loans (share of loans) | 5.08% |
| Net charge-offs (share of loans) | 0.07% |
| Loans to deposits | 64.2% |
| Real estate loans (share of loans) | 80.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $10.92M | 80.9% | |
| Commercial & industrial | $526.00K | 3.9% | |
| Consumer / individual | $2.38M | 17.6% | |
| Construction & development | $24.00K | 0.2% | |
| Agricultural | $28.00K | 0.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $26.90M | $23.18M | -$193.00K | $3.64M |
| Jun 2023 | $25.03M | $19.15M | -$313.00K | $4.28M |
| Jun 2024 | $25.28M | $18.80M | $84.00K | $5.83M |
| Jun 2025 | $26.80M | $19.19M | $494.00K | $6.95M |
| Jun 2026 | $30.97M | $21.02M | $985.00K | $8.56M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $21.02M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $21.02M.
Similar-sized banks
Bank Of Cattaraugus ($30.99M) · Generations Community Bank ($30.90M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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