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Vermilion Valley Bank
Piper City, IL · FDIC Certificate #11667 · Chartered 07/2
Total assets
$198.17M
Total deposits
$160.14M
Total equity
$31.12M
Net loans
$113.76M
Branches (offices)
4
Net income (YTD)
$1.85M
Rank: #2,989 of 4,213 U.S. banks by assets · #198 of 322 in Illinois. Assets changed 10.1% and deposits 9.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.91% |
| Return on equity | 12.19% |
| Net interest margin (YTD) | 3.32% |
| Equity to assets | 15.70% |
| Tier 1 leverage ratio | 16.70% |
| Uninsured deposits (share of deposits) | 20.2% |
| Noncurrent loans (share of loans) | 0.03% |
| Net charge-offs (share of loans) | -0.01% |
| Loans to deposits | 71.0% |
| Real estate loans (share of loans) | 72.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $82.43M | 72.5% | |
| Commercial & industrial | $4.09M | 3.6% | |
| Consumer / individual | $2.14M | 1.9% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $25.32M | 22.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $167.42M | $145.48M | $910.00K | $21.80M |
| Jun 2023 | $171.91M | $140.53M | $1.64M | $23.46M |
| Jun 2024 | $173.49M | $139.19M | $1.46M | $25.83M |
| Jun 2025 | $179.94M | $145.90M | $1.43M | $28.00M |
| Jun 2026 | $198.17M | $160.14M | $1.85M | $31.12M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $160.14M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $160.14M.
Similar-sized banks
Farmers State Bank Of Hamel ($198.34M) · Commerce Bank & Trust ($197.94M)
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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