VERMONT STATE BANK
VERMONT, ILLINOIS · FDIC Cert #16585
Capital & Safety Analysis
According to FDIC financial data, VERMONT STATE BANK holds a Tier 1 capital ratio of 39.59%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning VERMONT STATE BANK has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
VERMONT STATE BANK shows strong financial health indicators. With $25M in assets and a Health Score of 65/100, 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.
Frequently Asked Questions
VERMONT STATE BANK has a Bank Health Score of B (65/100). It holds a Tier 1 capital ratio of 39.59%, 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.
VERMONT STATE BANK holds $25M in total assets and $19M in total deposits. It is located in VERMONT, ILLINOIS (FDIC Certificate #16585).
VERMONT STATE BANK has a Tier 1 capital ratio of 39.59%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 10.42%, and the return on assets is 0.67%.
Yes. VERMONT STATE BANK is FDIC-insured (Certificate #16585). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.