Vermilion Bank&Trust Co Safety Rating
Vermilion Bank&Trust Co's safety rating is grade A, a Bank Health Score of 90/100 built from FDIC call report data. That ranks #700 out of 3,960 FDIC-insured banks nationally (top 18%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); Vermilion Bank&Trust Co's best component is Tier 1 capital (100/100) and its weakest is loan quality (68/100).
This page answers a common banking-safety question: Vermilion Bank&Trust Co Safety Rating. The answer draws on FDIC Call Report filings, the quarterly disclosure every FDIC-insured bank submits covering capital, assets, loans, deposits, and earnings. Call Report data is one of the most comprehensive bank-level public-records systems in the U.S. financial system. Why this matters for depositors: most U.S. consumer deposits are FDIC-insured up to $250,000 per depositor per insured bank, so bank failure does not directly threaten typical retail deposits within that limit. But the bank-health analysis is still useful for above-limit deposits (small businesses, treasurers, high-net-worth depositors) and for understanding the broader stability of regional banking.
The detailed answer below uses the actual FDIC Call Report numbers, explains how to read them, and translates the regulatory accounting into the depositor-relevant interpretation of the question.
Vermilion Bank&Trust Co Safety Rating Breakdown
- Overall rating
- Grade A (90/100)
- National rank
- #700 of 3,960
- Tier 1 capital (35%)
- 100/100
- Loan quality (30%)
- 68/100
- Liquidity (25%)
- 100/100
- Profitability (10%)
- 95/100
Source: FDIC Call Report data. The BankHealth safety rating is an editorial composite, not an official regulatory rating.
A grade A rating places Vermilion Bank&Trust Co among the stronger FDIC-insured banks on the composite — strong capital with manageable risk on the other factors. Nationally it ranks in roughly the top 18% of the 3,960 banks we score.
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 20.92% | 100/100 |
| Nonperforming Loan Ratio | 1.60% | 68/100 |
| Liquidity Ratio | 52.94% | 100/100 |
| Return on Assets | 1.87% | 95/100 |
| Total Assets | $0.1B | |
How does Vermilion Bank&Trust Co compare?
With a Bank Health Score of 90/100, Vermilion Bank&Trust Co sits 20.0 points above the national average of 70/100 for FDIC-insured banks. Within Louisiana, where 93 FDIC-insured banks are headquartered, Vermilion Bank&Trust Co ranks above the state average of 63/100 (Grade C).
The bank's Tier 1 capital ratio of 20.92% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 1.60% is in a normal range for a bank this size.
What changed in the last year?
Over the last four quarters, Vermilion Bank&Trust Co's Bank Health Score improved by 2.0 points to 90/100. Tier 1 capital strengthened by 1.14 percentage points to 20.92%.
Frequently Asked Questions
Vermilion Bank&Trust Co's safety rating is grade A, a Bank Health Score of 90/100 built from FDIC call report data. That ranks #700 out of 3,960 FDIC-insured banks nationally (top 18%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); Vermilion Bank&Trust Co's best component is Tier 1 capital (100/100) and its weakest is loan quality (68/100).
The BankHealth safety rating converts four FDIC call report metrics into a single 0-100 score and an A-F grade. It weights Tier 1 capital ratio (35%), the inverted nonperforming-loan ratio (30%), liquidity ratio (25%), and return on assets (10%). For Vermilion Bank&Trust Co: Tier 1 capital scores 100/100, loan quality 68/100, liquidity 100/100, and profitability 95/100 — combining to 90/100 (grade A).
Vermilion Bank&Trust Co's Bank Health Score of 90/100 is 27.0 points above the Louisiana state average of 63/100. 93 FDIC-insured banks are headquartered in Louisiana.
Yes. Vermilion Bank&Trust Co (FDIC certificate #17841) is FDIC-insured, meaning each depositor is covered up to $250,000 per ownership category if the bank fails. FDIC insurance protects checking, savings, money market, and CD deposits — it does not cover stocks, bonds, mutual funds, or annuities.
More about Vermilion Bank&Trust Co
Vermilion Bank&Trust Co's safety rating is grade A, a Bank Health Score of 90/100 built from FDIC call report data. That ranks #700 out of 3,960 FDIC-insured banks nationally (top 18%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); Vermilion Bank&Trust Co's best component is Tier 1 capital (100/100) and its weakest is loan quality (68/100).