🏦Bank Scorer

VERMONT STATE BANK

VERMONT, IL · Supervised by FDIC

Est. 1947FDIC #16,585RSSD: FDIC-16585
Outstanding Same

Current rating · Exam: November 2025

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 6.86%

Institution Profile

FDIC BankFind

Address

106 N Main St, VERMONT, IL

County

Fulton County

Established

June 9, 1947

Total Assets

$31M(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

November 1, 2025

Exam Type

Small Bank

Regulator

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

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$31M

Total Deposits

$22M

Net Loans

$13M

Net Income

$534K

ROA

6.86%

ROE

27.23%

Risk-Based Capital

60.34%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

1

Branch Deposits

$19M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

8 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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