FDIC Cert #16585 · Vermont, Illinois · Est. 1947

Vermont State Bank - FDIC Bank Health Profile

A community-scale look at Vermont State Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$31M
Total assets
A
Health grade · Excellent
3.91%
Return on assets
54.4%
Tier 1 capital

Data updated July 2026

The verdict

Vermont State Bank earns a PlainBankData health grade of A (81/100), with well-capitalized at 54.41% Tier 1, profitable at 3.91% ROA, 85% efficiency ratio.

#4,232
largest of 4,313 FDIC banks by assets
2nd
percentile by asset size, nationally
54.41%
Tier 1 ratio - above the 10% well-capitalized line
99th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 16585 · IL A · 81/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-COMMUNITY · BOOK-FULL

  • GRADE-A A (81/100)
  • MID-PACK #1903/4307
  • PHOTO-FINISH Waukesha State Bank · WI
  • TIER1-WELL 54.4% Tier 1
  • TEXAS-CLEAN 8.2% Texas
  • ROA-STRONG 3.91% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-FULL 9/9 fields

Nearest health peer outside Illinois: Waukesha State Bank, WI (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Vermont State Bank

Lowest and highest poles plus nearest scored peers outside Illinois, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100The First State Bank · TX · …81/100Vermont State Bank · IL · th…81/100Waukesha State Bank · WI · n…81/100West Bank · IA · near81/100West Plains Bank and… · MO ·…81/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Vermont State Bank · July 2026

Call Report read for Vermont State Bank in a high-failure state

Vermont State Bank (FDIC Cert #16585) carries a PlainBankData health grade of A at 81/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,903 of 4,307. Tier 1 capital prints at 54.41%, clearing the 10% well-capitalized line. The Texas Ratio is 8.15%, inside the sub-50% band analysts treat as healthy. Return on assets is 3.91%. Balance-sheet scale is $31M, 4,232nd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Waukesha State Bank (WI), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Vermont State Bank

71 FAILURE resolutions in Illinois since 2000, heavy vs the state corpus

Vermont State Bank sits in one of the heavier post-2000 FAILURE states (71 resolutions; latest year 2026). The list below is state history from the Failed Bank List, not a claim about Vermont State Bank's current Call Report.

  • METROPOLITAN CAPITAL B&T CHICAGO, IL 2026 → FIRST INDEPENDENCE BANK
  • PULASKI SAVINGS BANK CHICAGO, IL 2025 → MILLENNIUM BANK
  • FAYETTE COUNTY BANK SAINT ELMO, IL 2017 → UNITED FIDELITY BANK, FSB

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Illinois banks.

How Vermont State Bank's 81/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10081/100
Vermont State Bank's composite health score
Tier 1 Capital Ratio (54.41%) 40/40
Return on Assets (ROA) (3.91%) 25/25
Texas Ratio (8.15%) 16/20
Efficiency Ratio (85.12%) 0/15

81 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$31M

Total balance-sheet footings

Total Deposits

$22M

Customer-funded liabilities

Net Loans

$13M

Outstanding loan book

Net Income

$1M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 10% 20% 30% 40% 50% 60% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 53.01% 54.41% 55.81%
Basel III capital ratios - Vermont State Bank

Where Vermont State Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Vermont State Bank's score of 81/100 falls in the highlighted band.

Vermont State Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

81 Top 44% higher than 56% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. Vermont State Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Vermont State Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Vermont State Bank's $31M falls in the highlighted band.

Capital & credit buffers at Vermont State Bank

Tier 1 capital ratio
Well-capitalized 10%

54.41% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
54.41%
Texas Ratio
8.15%
Equity Capital
$8M

What these ratios mean →

Earnings posture at Vermont State Bank

Return on Assets (ROA)
99th percentile nationally
3.91%
Return on Equity (ROE)
15.61%
Efficiency Ratio
85.12%

What these mean →

Income & expense at Vermont State Bank

$1M
Interest Income
$10M
Non-Interest Income
$9M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Vermont State Bank reports a Texas Ratio of 8.15% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

8.15% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Vermont State Bank on FDIC BankFind →

Top banks in Illinois by total assets

Largest banks headquartered in Illinois
  1. 1
    BMO Bank $252.1B

    Chicago, IL · Grade A

  2. 2
    The Northern Trust Company $176.4B

    Chicago, IL · Grade B

  3. 3
    CIBC Bank USA $64.0B

    Chicago, IL · Grade A

  4. 4
    Busey Bank $18.1B

    Champaign, IL · Grade A

  5. 5
    Byline Bank $9.6B

    Chicago, IL · Grade A

Top 5 banks in Illinois ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($31M here), outside Illinois so the neighborhood is not state containment.

Brazos National Bank $31M · TX American Trust and Savings Bank $31M · IA Gala Bank $31M · FL The Hopeton State Bank $32M · OK

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Vermont State Bank (FDIC Cert #16585) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Vermont State Bank Call Report profile · FDIC Failed Bank List · Illinois FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Illinois

All Illinois banks →
BankAssetsGradeROA
BMO Bank National AssociationChicago $252.1B A 0.95%
The Northern Trust CompanyChicago $176.4B B 1.02%
CIBC Bank USAChicago $64.0B A 1.47%
Busey BankChampaign $18.1B A 0.92%
Byline BankChicago $9.6B A 1.47%
Wintrust Bank, National AssociationChicago $9.6B A 1.88%
Lake Forest Bank & Trust Company, National AssociationLake Forest $9.4B A 2.20%
First American BankElk Grove Village $8.1B A 1.72%