Vermilion Valley Bank
Piper City, Illinois · FDIC Cert #11667
Vermilion Valley Bank is an FDIC-insured bank (Certificate #11667) with $173M in total assets and $139M in total deposits as of the Q2 2024 Call Report. Headquartered in Piper City, Illinois, the bank maintains a Tier 1 capital ratio of 26.91% (Well-Capitalized) and a nonperforming loan ratio of 0.38%. BankHealthData assigns a composite Health Grade of A (97/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Vermilion Valley Bank (FDIC cert 11667) is a community bank — $173M in total assets, $139M in deposits, serving the Piper City, Illinois area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 26.91% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is clean: non-performing loan ratio of 0.38% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is comfortable: 38.0% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is strong: return on assets of 1.79% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. Vermilion Valley Bank carries a composite BankHealth grade of A (97/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Vermilion Valley Bank
- Total Assets
- $173M
- Total Deposits
- $139M
- Tier 1 Capital Ratio
- 26.91%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.38%
- Liquidity Ratio
- 37.98%
- Return on Assets
- 1.79%
- Headquarters
- Piper City, Illinois
- FDIC Certificate
- #11667
- Health Grade
- A (97/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Vermilion Valley Bank holds a Tier 1 capital ratio of 26.91%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Vermilion Valley Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Vermilion Valley Bank shows strong financial health indicators. With $173M in assets and a Health Score of 97/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Vermilion Valley Bank Compares
Vermilion Valley Bank’s Health Score of 97 is 25 points above the Illinois state average of 72 across 333 FDIC-insured banks. Its 26.91% Tier 1 capital ratio is 12.9 points above the US banking industry average near 14%. The 0.38% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.79% is in line with or above the national ROA benchmark of ~1.1%. Among 1457 similarly-sized banks, the average Health Score is 68, meaning this bank ranks above its size cohort. Site-wide, Vermilion Valley Bank is 27 points above the portfolio average of 70.
Frequently Asked Questions
Vermilion Valley Bank has a Bank Health Score of A (97/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 26.91%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Vermilion Valley Bank's Tier 1 capital ratio of 26.91% and nonperforming loan ratio of 0.38% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Vermilion Valley Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #11667). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Vermilion Valley Bank holds $173M in total assets and $139M in total deposits. It is headquartered in Piper City, Illinois (FDIC Certificate #11667).
Vermilion Valley Bank has a Tier 1 capital ratio of 26.91%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.38%, and the return on assets is 1.79%.
Yes. Vermilion Valley Bank is FDIC-insured (Certificate #11667). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Vermilion Valley Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.