Vermont State Bank: how it compares with its peers
Against 30 IL banks with half to twice its assets, Vermont State Bank's strongest measure in Q2 2026 is return on assets (6.34% vs. a 0.82% peer median). Its weakest relative measure is assets per employee ($1.7M vs. $5.4M).
| Measure | Vermont State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 6.34% | 0.82% | Top third Ahead of 97% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.32% | 3.89% | Bottom third Ahead of 20% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 76.75% | 79.51% | Middle third Ahead of 53% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $1.7M | $5.4M | Bottom third Ahead of 3% of peers |
| Loans to deposits Net loans and leases over total deposits. | 64.25% | 51.50% | Context |
What it means for lending operations
Its efficiency ratio of 76.75% is better than the 79.51% 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
- Dewey Bank Dewey, IL · $30M
- First State Bank of St. Peter Saint Peter, IL · $30M
- Citizens Bank of Edinburg Edinburg, IL · $29M
- Milford Building and Loan Association Milford, IL · $28M
- The First State Bank of Dongola Dongola, IL · $35M
- Campus State Bank Campus, IL · $26M
Questions about Vermont State Bank
How big is Vermont State Bank?
Vermont State Bank, established in 1947, is headquartered in Vermont, IL. It reported $31M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Vermont State Bank's return on assets?
6.34% annualized in Q2 2026, against a 0.82% median for 30 IL banks with half to twice its assets, ahead of 97% of them.
What is Vermont State Bank's efficiency ratio?
76.75% in Q2 2026: it spent about 77 cents in noninterest expense for each dollar of revenue. The peer median is 79.51%, and lower is better.
Is Vermont State Bank growing its loans?
Net loans shrank 0.2% over the year to Q2 2026, while deposits grew 9.5%.
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.