BlastPoint's Banking Scorecard

Vermont State Bank

under $100M Specialty: Other IL FDIC cert 16585

Designations: ✓ Community bank

Vermont, 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 536 banks in the under $100M peer group nationwide — 1 of 60 in IL.
Deposits +9.5% year over year ($21.0M on the books).
Delinquency rate 5.33%.
Return on assets 6.34%.
Efficiency ratio 76.75% vs a 119.40% peer average.
Loan-to-deposit ratio 64.25% vs a 74.21% peer average.

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

536 banks in the under $100M peer group nationally 60 in IL

View under $100M leaderboard (IL) →

Vermont State Bank has 4 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

+ Return on Assets 5.34% above tier average
+ Non-Interest-Bearing Deposit Share 17.15% above tier average
+ Non-Interest Income / Assets 16.52% above tier average
+ Efficiency Ratio 42.64% below tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 3.85% above tier average
- Nonperforming Asset Ratio 1.76% above tier average
- Net Interest Margin 0.59% below tier average

Get updates when Vermont State 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 ?	$31.0M +15.6% YoY -0.3% QoQ	-$31.5M	$62.4M -0.0% YoY	$2.4B +4.3% YoY	$6.3B +7.7% YoY	Bottom 12.7% in tier
Total Loans ?	$13.5M -0.2% YoY +3.1% QoQ	-$21.4M	$34.9M -0.6% YoY	$1.3B +4.4% YoY	$3.2B +9.4% YoY	16%
Total Deposits ?	$21.0M +9.5% YoY -3.1% QoQ	-$30.6M	$51.6M -0.2% YoY	$1.9B +3.7% YoY	$4.9B +7.3% YoY	Bottom 10.8% in tier
Return on Assets ?	6.34% +74.5% YoY -7.6% QoQ	+5.34%	1.00% +3.5% YoY	1.12% +2.8% YoY	1.30% +12.1% YoY	Top 1.5% in tier
Net Interest Margin ?	3.32% -1.1% YoY +2.7% QoQ	-0.59%	3.91% +2.3% YoY	3.68% +7.2% YoY	3.95% +4.9% YoY	23%
Efficiency Ratio ?	76.75% -10.2% YoY +4.1% QoQ	-42.64%	119.40% +49.6% YoY	63.11% -4.5% YoY	70.05% +2.5% YoY	39%
Delinquency Rate ?	5.33% +3.3% YoY -1.4% QoQ	+3.85%	1.48% +31.8% YoY	1.19% +6.2% YoY	0.98% +16.3% YoY	Bottom 5.4% in tier
Loan-to-Deposit Ratio ?	64.25% -8.9% YoY +6.4% QoQ	-9.96%	74.21% +12.6% YoY	72.86% +0.7% YoY	79.03% +2.3% YoY	52%
Non-Interest-Bearing Deposit Share ?	40.64% +3.9% YoY +6.1% QoQ	+17.15%	23.49% +0.6% YoY	20.01% -0.1% YoY	21.98% -0.6% YoY	Top 9.0% in tier
Nonperforming Asset Ratio ?	2.60% -17.0% YoY -3.6% QoQ	+1.76%	0.84% +23.0% YoY	0.81% +6.3% YoY	0.69% +15.8% YoY	Bottom 6.9% in tier
Tier 1 Capital Ratio ?	63.32% +28.8% YoY +7.2% QoQ	+36.20%	27.13% +3.0% YoY	17.17% +1.3% YoY	17.09% +0.8% YoY	Top 6.3% in tier
Non-Interest Income / Assets ?	17.91% +8.6% YoY +103.6% QoQ	+16.52%	1.38% +6.3% YoY	0.68% +1.1% YoY	0.66% +5.2% YoY	Top 1.9% 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	40.6% +1.5pp YoY +2.4pp QoQ	+16.0pp	24.6%	20.1%	22.2%	90%
Brokered Deposits	0.7% -0.1pp YoY 0.0pp QoQ	-9.1pp	9.8%	8.0%	8.5%	14%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
C&I	3.9% -0.9pp YoY -0.2pp QoQ	-9.5pp	13.4%	14.7%	12.5%	14%
CRE	n/a	n/a	25.2%	37.9%	41.4%	n/a
1-4 Family	63.3% -0.8pp YoY -1.9pp QoQ	+28.3pp	35.0%	28.3%	31.3%	82%
Consumer	17.6% +3.1pp YoY +2.0pp QoQ	+10.0pp	7.7%	5.4%	5.0%	92%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
CET1 Ratio	63.0% +14.1pp YoY +4.3pp QoQ	+24.3pp	38.7%	19.9%	19.7%	90%
Leverage Ratio	28.2% +2.8pp YoY +1.7pp QoQ	+10.5pp	17.7%	12.2%	12.6%	92%
Total Capital Ratio	64.6% +14.2pp YoY +4.3pp QoQ	+24.9pp	39.7%	20.9%	20.8%	90%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Full-Time Employees	18 +2 (+12.5%) YoY -1 (-5.3%) QoQ	+6	12	228	482	84%
Assets per Employee ($)	$1.7M +2.7% YoY +5.2% QoQ	-$4.5M	$6.2M	$8.3M	$8.8M	4%
Branch Count	1 0 YoY 0 QoQ	-1	1	10	18	0%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	1.0%	0.4%	0.4%	n/a
Nonaccrual	5.3% +0.2pp YoY -0.1pp QoQ	+3.6pp	1.7%	1.1%	1.0%	94%
Allowance Coverage	0.92x -8.8% YoY -1.5% QoQ	-5.49x	6.41x	5.62x	20.23x	41%
Net Charge-off Rate (YTD)	0.1% -0.3pp YoY -0.1pp QoQ	-0.1pp	0.2%	0.1%	0.2%	63%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
ROE	24.4% +9.6pp YoY -2.9pp QoQ	+18.0pp	6.4%	10.5%	11.6%	97%
Cost of Funds (YTD)	1.4% -0.2pp YoY 0.0pp QoQ	0.0pp	1.4%	1.6%	1.7%	50%
Net Income ($, YTD)	$985,000 +99.4% YoY — QoQ	+$667K	$317,817	$11.7M	$40.4M	95%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

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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 (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

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 536 peers in under $100M

Top Strengths (4 metrics)

Return on Assets

profitability

Value: 6.34%

Peer Median: 1.00%

#9 of 536 Top 1.5% in under $100M

Non-Interest Income / Assets

revenue_mix

Value: 17.91%

Peer Median: 1.38%

#11 of 536 Top 1.9% in under $100M

Tier 1 Capital Ratio

capital

Value: 63.32%

Peer Median: 27.13%

#35 of 536 Top 6.3% in under $100M

Non-Interest-Bearing Deposit Share

funding

Value: 40.64%

Peer Median: 23.49%

#49 of 536 Top 9.0% in under $100M

Top Weaknesses (6 metrics)

490

Delinquency Rate

credit_quality

Value: 5.33%

Peer Median: 1.48%

#490 of 517 Bottom 5.4% in under $100M

500

Nonperforming Asset Ratio

credit_quality

Value: 2.60%

Peer Median: 0.84%

#500 of 536 Bottom 6.9% in under $100M

479

Total Deposits

size

Value: $21.02M

Peer Median: $51.62M

#479 of 536 Bottom 10.8% in under $100M

469

Total Assets

size

Value: $30.97M

Peer Median: $62.44M

#469 of 536 Bottom 12.7% in under $100M

453

Total Loans

size

Value: $13.50M

Peer Median: $34.89M

#453 of 536 Bottom 15.7% in under $100M

412

Net Interest Margin

profitability

Value: 3.32%

Peer Median: 3.91%

#412 of 536 Bottom 23.3% in under $100M