B
Vermilion Valley Bank
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Vermilion Valley Bank
Piper City, IL
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Rating B
Asset Quality Index 7.50
Capitalization Index 10.00
Liquidity Index 2.80
Profitability Index 6.70
Stability Index 6.30
Company Info Vermilion Valley Bank
Piper City, IL
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FDIC Number 11667
Phone Number (815) 686-2258
Website www.vvb91.com
Asset Quality Vermilion Valley Bank
Piper City, IL
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1-Year Asset Growth 6.07%
5-Year Asset Growth 6.55%
5-Year Charge-Offs to Average Loans 0.00%
Charge-Offs to Average Loans 0.01%
Non-Performing Assets to Assets 0.07%
Non-Performing Loans to Capital 2.19%
Non-Performing Loans to Loans 0.11%
Balance Sheet Vermilion Valley Bank
Piper City, IL
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Total Assets 185.72M
Total Deposits 151.34M
Capital and Reserves Vermilion Valley Bank
Piper City, IL
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Capital 29.59M
Leverage Ratio 16.66
Loan Loss Reserves to Loans 1.10%
Risk-Based Capital Ratio 28.02
Liquidity Vermilion Valley Bank
Piper City, IL
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Hot Money Ratio 23.44%
Liquidity Ratio 20.56%
Profitability Vermilion Valley Bank
Piper City, IL
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5-Year Return on Average Assets 1.61%
Net Income 2.16M
Net Interest Spread 3.26%
Operating Profit to Average Assets 1.67%
Overhead Efficiency Ratio 45.94%
Return on Assets 1.57%
Return on Equity 10.36%