🏦Bank Scorer

VERMILION BANK & TRUST COMPANY

KAPLAN, LA · Supervised by FDIC

Est. 1958FDIC #17,841RSSD: FDIC-17841
Part ofVERMILION BANCSHARES CORP→ View all charters
Satisfactory Same

Current rating · Exam: November 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.92%

Institution Profile

FDIC BankFind

Address

420 N Cushing Ave, KAPLAN, LA

County

Vermilion County

Established

March 8, 1958

Total Assets

$149M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

November 1, 2024

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Nov 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$149M

Total Deposits

$130M

Net Loans

$66M

Net Income

$767K

ROA

1.92%

ROE

18.04%

Risk-Based Capital

25.09%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate0.00%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

3

Branch Deposits

$128M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202451100%0.00%
202377100%0.00%
20209098.89%1.11%
201985100%0.00%
20187893.59%6.41%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

8 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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