| Metric | Vermillion State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.3% | +4.9% | +0.4 pts |
| Deposit growth (YoY) | +4.8% | +4.3% | +0.5 pts |
| Loan growth (YoY) | +3.8% | +5.3% | -1.6 pts |
| ROA | 2.56% | 1.28% | +1.3 pts |
| ROE | 19.8% | 12.4% | +7.4 pts |
ROA ranks in the 95th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $931.4M | $806.6M | $417.2M | $121.5M | $11.9M | 2.56% | 3.26% | 0.20% |
| Q1 2026 | $936.6M | $812.7M | $406.2M | $120.7M | $5.9M | 2.52% | 3.24% | 0.22% |
| Q4 2025 | $931.2M | $808.7M | $408.5M | $119.2M | $20.3M | 2.29% | 3.42% | 0.24% |
| Q3 2025 | $907.3M | $787.9M | $404.5M | $116.0M | $16.7M | 2.55% | 3.39% | 0.22% |
| Q2 2025 | $884.4M | $769.6M | $402.1M | $111.2M | $10.6M | 2.46% | 3.35% | 0.13% |
| Q1 2025 | $858.6M | $744.8M | $396.8M | $110.5M | $5.3M | 2.47% | 3.26% | 0.10% |
| Q4 2024 | $847.1M | $740.2M | $396.1M | $103.5M | $16.7M | 1.98% | 2.93% | 0.18% |
| Q3 2024 | $858.3M | $739.6M | $376.8M | $114.7M | $13.2M | 2.08% | 2.81% | 0.19% |
Loan mix (Q2 2026): real estate $321.1M · commercial $72.3M · consumer $9.6M · securities $427.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Vermillion State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.56% | 1.28% | 95th | |
Return on equity Annualized net income ÷ equity or net worth | 19.8% | 12.4% | 88th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.26% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 23.2% | 61.2% | 0th |
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 | Vermillion State 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 | Vermillion State 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 | Vermillion State 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 | Vermillion State 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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