A
Vermillion State Bank
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Vermillion State Bank
Vermillion, MN
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Rating A
Asset Quality Index 9.10
Capitalization Index 10.00
Liquidity Index 4.70
Profitability Index 8.20
Stability Index 8.00
Company Info Vermillion State Bank
Vermillion, MN
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FDIC Number 10214
Phone Number (651) 437-4433
Website www.vermillionbank.com
Asset Quality Vermillion State Bank
Vermillion, MN
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1-Year Asset Growth 6.34%
5-Year Asset Growth 8.34%
5-Year Charge-Offs to Average Loans -0.19%
Charge-Offs to Average Loans -0.31%
Non-Performing Assets to Assets 0.17%
Non-Performing Loans to Capital 0.56%
Non-Performing Loans to Loans 0.16%
Balance Sheet Vermillion State Bank
Vermillion, MN
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Total Assets 884.36M
Total Deposits 769.64M
Capital and Reserves Vermillion State Bank
Vermillion, MN
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Capital 111.23M
Leverage Ratio 12.78
Loan Loss Reserves to Loans 1.71%
Risk-Based Capital Ratio --
Liquidity Vermillion State Bank
Vermillion, MN
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Hot Money Ratio 15.33%
Liquidity Ratio 55.96%
Profitability Vermillion State Bank
Vermillion, MN
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5-Year Return on Average Assets 1.79%
Net Income 10.60M
Net Interest Spread 3.36%
Operating Profit to Average Assets 2.47%
Overhead Efficiency Ratio 27.10%
Return on Assets 2.47%
Return on Equity 19.47%