| Metric | Vermilion Valley Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.1% | +4.4% | +5.8 pts |
| Deposit growth (YoY) | +9.8% | +4.0% | +5.8 pts |
| Loan growth (YoY) | +6.8% | +5.6% | +1.2 pts |
| ROA | 1.91% | 1.24% | +0.7 pts |
| ROE | 12.2% | 11.9% | +0.3 pts |
ROA ranks in the 84th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $198.2M | $160.1M | $113.8M | $31.1M | $1.9M | 1.91% | 3.32% | 0.07% |
| Q1 2026 | $193.7M | $162.1M | $109.5M | $30.4M | $842K | 1.75% | 3.18% | 0.35% |
| Q4 2025 | $192.0M | $150.9M | $112.2M | $29.8M | $3.0M | 1.62% | 3.15% | 0.17% |
| Q3 2025 | $185.7M | $151.3M | $111.1M | $29.6M | $2.2M | 1.59% | 3.10% | 0.38% |
| Q2 2025 | $179.9M | $145.9M | $106.5M | $28.0M | $1.4M | 1.60% | 3.08% | 0.07% |
| Q1 2025 | $178.3M | $146.6M | $106.2M | $27.4M | $731K | 1.64% | 3.06% | 0.07% |
| Q4 2024 | $178.2M | $139.6M | $108.1M | $26.3M | $2.8M | 1.59% | 3.07% | 0.11% |
| Q3 2024 | $175.1M | $137.1M | $104.8M | $27.3M | $2.2M | 1.63% | 3.06% | 0.21% |
Loan mix (Q2 2026): real estate $82.4M · commercial $4.1M · consumer $2.1M · securities $75.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Vermilion Valley Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.91% | 1.24% | 84th | |
Return on equity Annualized net income ÷ equity or net worth | 12.2% | 11.9% | 52th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.32% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 40.5% | 62.9% | 4th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Vermilion Valley Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Vermilion Valley Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Vermilion Valley Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Vermilion Valley Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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