🏦Bank Scorer

VERMILION VALLEY BANK

PIPER CITY, IL · Supervised by FDIC

Est. 1913FDIC #11,667RSSD: FDIC-11667
Part ofPIPER BANKSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: July 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.75%

Institution Profile

FDIC BankFind

Address

4 E Peoria St, PIPER CITY, IL

County

Ford County

Established

July 25, 1913

Total Assets

$194M(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

July 1, 2025

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jul 2030(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$194M

Total Deposits

$162M

Net Loans

$110M

Net Income

$842K

ROA

1.75%

ROE

11.19%

Risk-Based Capital

27.41%

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 Rate2.08%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

5

Branch Deposits

$146M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20244897.92%2.08%
20203390.91%3.03%
20193096.67%3.33%
20184097.5%2.50%

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

7 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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