BlastPoint's Banking Scorecard
Vermilion Valley Bank
Micro
Specialty: Agricultural
IL
FDIC cert 11667
Designations: ✓ Community bank
Piper City, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
Vermilion Valley Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 22.49% below tier
- + Tier 1 Capital Ratio 17.10% above tier
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.45% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$192.0M
+7.8% YoY
+3.4% QoQ
|
-$25.5M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
49% |
| Total Loans ? |
$112.2M
+3.8% YoY
+0.9% QoQ
|
-$27.0M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
47% |
| Total Deposits ? |
$150.9M
+8.1% YoY
-0.3% QoQ
|
-$32.8M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
46% |
| Return on Assets ? |
1.62%
+2.1% YoY
+1.9% QoQ
|
+0.54% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
80% |
| Net Interest Margin ? |
3.15%
+2.5% YoY
+1.5% QoQ
|
-0.71% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
21% |
| Efficiency Ratio ? |
45.24%
+2.2% YoY
-1.5% QoQ
|
-22.49% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
Top 5% in tier |
| Delinquency Rate ? |
0.28%
+60.9% YoY
-55.2% QoQ
|
-0.36% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
56% |
| Loan-to-Deposit Ratio ? |
74.36%
-3.9% YoY
+1.2% QoQ
|
-0.17% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
54% |
| Non-Interest-Bearing Deposit Share ? |
18.36%
-2.5% YoY
-4.4% QoQ
|
-4.03% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
36% |
| Nonperforming Asset Ratio ? |
0.17%
+55.0% YoY
-56.3% QoQ
|
-0.29% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
60% |
| Tier 1 Capital Ratio ? |
25.95%
+2.1% YoY
-3.7% QoQ
|
+17.10% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
Top 6% in tier |
| Non-Interest Income / Assets ? |
0.11%
-5.9% YoY
+31.2% QoQ
|
-0.45% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 9% in tier |
Signature Analysis
Strengths (2)
Efficiency Ratio
metric
Top 5%
in Micro
Why this stands out
Current:
45.24%
(Tier avg: 67.73%, National avg: 65.09%)
Tier 1 Capital Ratio
metric
Top 6%
in Micro
Why this stands out
Current:
25.95%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (1)
Non-Interest Income / Assets
metric
Bottom 9%
in Micro
Why this stands out
Current:
0.11%
(Tier avg: 0.56%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
95
95th pctile
Efficiency Ratio
Current: 45.24% · Tier avg: 67.73%
94
94th pctile
Tier 1 Capital Ratio
Current: 25.95% · Tier avg: 8.85%
80
80th pctile
Return on Assets
Current: 1.62% · Tier avg: 1.08%
60
60th pctile
Nonperforming Asset Ratio
Current: 0.17% · Tier avg: 0.45%
56
56th pctile
Delinquency Rate
Current: 0.28% · Tier avg: 0.64%
54
54th pctile
Loan-to-Deposit Ratio
Current: 74.36% · Tier avg: 74.53%
49
49th pctile
Total Assets
Current: $192.0M · Tier avg: $217.5M
47
47th pctile
Total Loans
Current: $112.2M · Tier avg: $139.2M
46
46th pctile
Total Deposits
Current: $150.9M · Tier avg: $183.7M
36
36th pctile
Non-Interest-Bearing Deposit Share
Current: 18.36% · Tier avg: 22.39%
21
21th pctile
Net Interest Margin
Current: 3.15% · Tier avg: 3.85%
9
9th pctile
Non-Interest Income / Assets
Current: 0.11% · Tier avg: 0.56%
Top Weaknesses
9
9th pctile
Non-Interest Income / Assets
Current: 0.11% · Tier avg: 0.56%
21
21th pctile
Net Interest Margin
Current: 3.15% · Tier avg: 3.85%
36
36th pctile
Non-Interest-Bearing Deposit Share
Current: 18.36% · Tier avg: 22.39%
46
46th pctile
Total Deposits
Current: $150.9M · Tier avg: $183.7M
47
47th pctile
Total Loans
Current: $112.2M · Tier avg: $139.2M
49
49th pctile
Total Assets
Current: $192.0M · Tier avg: $217.5M
54
54th pctile
Loan-to-Deposit Ratio
Current: 74.36% · Tier avg: 74.53%
56
56th pctile
Delinquency Rate
Current: 0.28% · Tier avg: 0.64%
60
60th pctile
Nonperforming Asset Ratio
Current: 0.17% · Tier avg: 0.45%
80
80th pctile
Return on Assets
Current: 1.62% · Tier avg: 1.08%
94
94th pctile
Tier 1 Capital Ratio
Current: 25.95% · Tier avg: 8.85%
95
95th pctile
Efficiency Ratio
Current: 45.24% · Tier avg: 67.73%