BlastPoint's Banking Scorecard

Vermilion Valley Bank

$100M-$1B Specialty: Agricultural IL FDIC cert 11667

Piper City, IL

4 branches across IL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 211 in IL.
Deposits +9.8% year over year ($160.1M on the books).
Delinquency rate 0.03%.
Return on assets 1.91%.
Efficiency ratio 40.49% vs a 64.48% peer average.
Loan-to-deposit ratio 71.04% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 211 in IL

View $100M-$1B leaderboard (IL) →

Vermilion Valley Bank has 3 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Profitability Leader: Top 44.8% in tier
+ Efficiency Ratio 23.99% below tier average
+ Delinquency Rate 0.89% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 21.7% in tier
- Non-Interest Income / Assets 0.51% below tier average
- Net Interest Margin 0.66% below tier average

Get updates when Vermilion Valley Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$198.2M +10.1% YoY +2.3% QoQ	-$188.4M	$386.6M +1.2% YoY	$2.4B +4.3% YoY	$6.3B +7.7% YoY	26%
Total Loans ?	$113.8M +6.8% YoY +3.8% QoQ	-$144.6M	$258.3M +1.7% YoY	$1.3B +4.4% YoY	$3.2B +9.4% YoY	23%
Total Deposits ?	$160.1M +9.8% YoY -1.2% QoQ	-$166.6M	$326.7M +0.7% YoY	$1.9B +3.7% YoY	$4.9B +7.3% YoY	24%
Return on Assets ?	1.91% +18.8% YoY +9.2% QoQ	+0.58%	1.32% +10.8% YoY	1.12% +2.8% YoY	1.30% +12.1% YoY	84%
Net Interest Margin ?	3.32% +7.9% YoY +4.5% QoQ	-0.66%	3.99% +5.0% YoY	3.68% +7.2% YoY	3.95% +4.9% YoY	20%
Efficiency Ratio ?	40.49% -11.2% YoY -7.3% QoQ	-23.99%	64.48% -3.2% YoY	63.11% -4.5% YoY	70.05% +2.5% YoY	Top 4.4% in tier
Delinquency Rate ?	0.03% -79.9% YoY -95.8% QoQ	-0.89%	0.92% +15.7% YoY	1.19% +6.2% YoY	0.98% +16.3% YoY	83%
Loan-to-Deposit Ratio ?	71.04% -2.7% YoY +5.1% QoQ	-6.91%	77.95% +1.0% YoY	72.86% +0.7% YoY	79.03% +2.3% YoY	68%
Non-Interest-Bearing Deposit Share ?	19.56% +3.5% YoY -6.3% QoQ	-2.47%	22.03% -0.6% YoY	20.01% -0.1% YoY	21.98% -0.6% YoY	43%
Nonperforming Asset Ratio ?	0.07% -1.8% YoY -78.7% QoQ	-0.60%	0.67% +16.4% YoY	0.81% +6.3% YoY	0.69% +15.8% YoY	75%
Tier 1 Capital Ratio ?	26.59% +0.1% YoY +0.8% QoQ	+10.69%	15.91% +1.4% YoY	17.17% +1.3% YoY	17.09% +0.8% YoY	Top 5.6% in tier
Non-Interest Income / Assets ?	0.05% -18.4% YoY +38.1% QoQ	-0.51%	0.57% +7.6% YoY	0.68% +1.1% YoY	0.66% +5.2% YoY	Bottom 6.2% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Noninterest-Bearing	19.6% +0.7pp YoY -1.3pp QoQ	-2.6pp	22.1%	20.1%	22.2%	43%
Brokered Deposits	n/a	n/a	7.9%	8.0%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
C&I	3.6% -0.4pp YoY +0.4pp QoQ	-8.0pp	11.6%	14.7%	12.5%	12%
CRE	n/a	n/a	39.5%	37.9%	41.4%	n/a
1-4 Family	18.9% +1.3pp YoY -0.4pp QoQ	-13.8pp	32.6%	28.3%	31.3%	28%
Consumer	1.9% -0.1pp YoY 0.0pp QoQ	-2.2pp	4.1%	5.4%	5.0%	46%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
CET1 Ratio	26.6% 0.0pp YoY +0.2pp QoQ	+7.8pp	18.8%	19.9%	19.7%	91%
Leverage Ratio	16.7% -0.2pp YoY 0.0pp QoQ	+4.5pp	12.2%	12.2%	12.6%	92%
Total Capital Ratio	27.6% 0.0pp YoY +0.2pp QoQ	+7.7pp	19.9%	20.9%	20.8%	90%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Full-Time Employees	21 +2 (+10.5%) YoY 0 QoQ	-38	58	228	482	12%
Assets per Employee ($)	$9.4M -0.4% YoY +2.3% QoQ	+$1.9M	$7.5M	$8.3M	$8.8M	83%
Branch Count	4 -1 (-20.0%) YoY 0 QoQ	-1	4	10	18	42%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY -0.5pp QoQ	-0.3pp	0.3%	0.4%	0.4%	25%
Nonaccrual	0.0% -0.1pp YoY -0.1pp QoQ	-0.9pp	0.9%	1.1%	1.0%	2%
Allowance Coverage	43.03x +368.9% YoY +2206.9% QoQ	+18.88x	24.15x	5.62x	20.23x	94%
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.1%	0.1%	0.2%	14%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
ROE	12.2% +1.7pp YoY +1.0pp QoQ	0.0pp	12.2%	10.5%	11.6%	51%
Cost of Funds (YTD)	1.3% 0.0pp YoY 0.0pp QoQ	-0.4pp	1.7%	1.6%	1.7%	22%
Net Income ($, YTD)	$1.9M +29.4% YoY — QoQ	-$700K	$2.6M	$11.7M	$40.4M	50%

Get Full Access to Vermilion Valley Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Profitability Leader

growth

#297 of 661 • Top 44.8% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 1.91%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Concerns (1)

Liquidity Overhang

risk

#162 of 742 • Bottom 21.7% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 26.59%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 71.04%

(Tier: 77.95%, National: 79.03%)

better than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

117

Efficiency Ratio

profitability

Value: 40.49%

Peer Median: 64.48%

#117 of 2643 Top 4.4% in $100M-$1B

149

Tier 1 Capital Ratio

capital

Value: 26.59%

Peer Median: 15.91%

#149 of 2643 Top 5.6% in $100M-$1B

421

Return on Assets

profitability

Value: 1.91%

Peer Median: 1.32%

#421 of 2643 Top 15.9% in $100M-$1B

444

Delinquency Rate

credit_quality

Value: 0.03%

Peer Median: 0.92%

#444 of 2633 Top 16.8% in $100M-$1B

Top Weaknesses (4 metrics)

2479

Non-Interest Income / Assets

revenue_mix

Value: 0.05%

Peer Median: 0.57%

#2479 of 2643 Bottom 6.2% in $100M-$1B

2103

Net Interest Margin

profitability

Value: 3.32%

Peer Median: 3.99%

#2103 of 2643 Bottom 20.5% in $100M-$1B

2026

Total Loans

size

Value: $113.76M

Peer Median: $258.35M

#2026 of 2643 Bottom 23.4% in $100M-$1B

2010

Total Deposits

size

Value: $160.14M

Peer Median: $326.73M

#2010 of 2643 Bottom 24.0% in $100M-$1B