BlastPoint's Banking Scorecard
Vermont State Bank
Micro
Specialty: Other
IL
FDIC cert 16585
Designations: ✓ Community bank
Vermont, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
Vermont State Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 2.83% above tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 4.48% above tier
- - Nonperforming Asset Ratio 2.24% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$31.2M
+17.7% YoY
+18.6% QoQ
|
-$186.3M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
Bottom 3% in tier |
| Total Loans ? |
$13.1M
-8.7% YoY
-3.3% QoQ
|
-$126.1M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Bottom 4% in tier |
| Total Deposits ? |
$22.4M
+15.1% YoY
+18.7% QoQ
|
-$161.2M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
Bottom 3% in tier |
| Return on Assets ? |
3.91%
+54.0% YoY
-0.8% QoQ
|
+2.83% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
Top 1% in tier |
| Net Interest Margin ? |
3.31%
-1.7% YoY
-2.9% QoQ
|
-0.54% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
26% |
| Efficiency Ratio ? |
85.12%
-5.3% YoY
-0.1% QoQ
|
+17.40% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 13% in tier |
| Delinquency Rate ? |
5.12%
-34.1% YoY
-22.7% QoQ
|
+4.48% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
58.41%
-20.7% YoY
-18.6% QoQ
|
-16.12% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
78% |
| Non-Interest-Bearing Deposit Share ? |
33.08%
-17.1% YoY
-12.5% QoQ
|
+10.69% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
Top 15% in tier |
| Nonperforming Asset Ratio ? |
2.69%
-35.9% YoY
-31.7% QoQ
|
+2.24% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
54.77%
+3.6% YoY
+8.5% QoQ
|
+45.91% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
- |
| Non-Interest Income / Assets ? |
30.48%
+28.5% YoY
+14.7% QoQ
|
+29.92% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
- |
Signature Analysis
Strengths (1)
Return on Assets
metric
Top 1%
in Micro
Why this stands out
Current:
3.91%
(Tier avg: 1.08%, National avg: 1.12%)
Concerns (2)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
5.12%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
2.69%
(Tier avg: 0.45%, National avg: 0.48%)
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
99
99th pctile
Return on Assets
Current: 3.91% · Tier avg: 1.08%
85
85th pctile
Non-Interest-Bearing Deposit Share
Current: 33.08% · Tier avg: 22.39%
78
78th pctile
Loan-to-Deposit Ratio
Current: 58.41% · Tier avg: 74.53%
26
26th pctile
Net Interest Margin
Current: 3.31% · Tier avg: 3.85%
13
13th pctile
Efficiency Ratio
Current: 85.12% · Tier avg: 67.73%
4
4th pctile
Total Loans
Current: $13.1M · Tier avg: $139.2M
3
3th pctile
Total Assets
Current: $31.2M · Tier avg: $217.5M
3
3th pctile
Total Deposits
Current: $22.4M · Tier avg: $183.7M
0
0th pctile
Delinquency Rate
Current: 5.12% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 2.69% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 2.69% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 5.12% · Tier avg: 0.64%
3
3th pctile
Total Deposits
Current: $22.4M · Tier avg: $183.7M
3
3th pctile
Total Assets
Current: $31.2M · Tier avg: $217.5M
4
4th pctile
Total Loans
Current: $13.1M · Tier avg: $139.2M
13
13th pctile
Efficiency Ratio
Current: 85.12% · Tier avg: 67.73%
26
26th pctile
Net Interest Margin
Current: 3.31% · Tier avg: 3.85%
78
78th pctile
Loan-to-Deposit Ratio
Current: 58.41% · Tier avg: 74.53%
85
85th pctile
Non-Interest-Bearing Deposit Share
Current: 33.08% · Tier avg: 22.39%
99
99th pctile
Return on Assets
Current: 3.91% · Tier avg: 1.08%