Vermilion Valley Bank: how it compares with its peers
Against 143 IL banks with half to twice its assets, Vermilion Valley Bank's strongest measure in Q2 2026 is efficiency ratio (40.49% vs. a 64.64% peer median). Its weakest relative measure is net interest margin (3.32% vs. 3.73%).
| Measure | Vermilion Valley Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.91% | 1.17% | Top third Ahead of 89% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.32% | 3.73% | Bottom third Ahead of 25% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 40.49% | 64.64% | Top third Ahead of 99% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.4M | $6.5M | Top third Ahead of 90% of peers |
| Loans to deposits Net loans and leases over total deposits. | 71.04% | 74.31% | Context |
What it means for lending operations
Its efficiency ratio of 40.49% is better than the 64.64% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Fidelity Bank Savanna, IL · $199M
- First National Bank in Taylorville Taylorville, IL · $200M
- Frederick Community Bank, The Paxton, IL · $196M
- SmartBiz Bank, National Association Northbrook, IL · $201M
- First Community Bank and Trust Beecher, IL · $202M
- Central Federal Savings and Loan Association Cicero, IL · $195M
Questions about Vermilion Valley Bank
How big is Vermilion Valley Bank?
Vermilion Valley Bank, established in 1913, is headquartered in Piper City, IL. It reported $198M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Vermilion Valley Bank's return on assets?
1.91% annualized in Q2 2026, against a 1.17% median for 143 IL banks with half to twice its assets, ahead of 89% of them.
What is Vermilion Valley Bank's efficiency ratio?
40.49% in Q2 2026: it spent about 40 cents in noninterest expense for each dollar of revenue. The peer median is 64.64%, and lower is better.
Is Vermilion Valley Bank growing its loans?
Net loans grew 6.8% over the year to Q2 2026, while deposits grew 9.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Illinois bank ranked.