Headquartered in Vermont, Illinois, Vermont State Bank is a state-chartered bank with $31.0M in total assets and $21.0M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1947.
Vermont State Bank has a TellerScore of 73 out of 100 (strong) based on Q2 2026 data — higher than only 48% of its 546 banks with under $100 million in assets. Among 326 banks headquartered in Illinois, it ranks 138th. Capital cushion contributes the most (100/100, 28.17%); loan quality contributes the least (0/100, 5.08%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 2 points (71 → 73), mostly because the funding & liquidity component improved by 6 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 57 |
| Q3 2024 | 68 |
| Q4 2024 | 70 |
| Q1 2025 | 71 |
| Q2 2025 | 71 |
| Q3 2025 | 71 |
| Q4 2025 | 73 |
| Q1 2026 | 73 |
| Q2 2026 | 73 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 23.02% |
| Q3 2024 | 22.78% |
| Q4 2024 | 24.19% |
| Q1 2025 | 24.56% |
| Q2 2025 | 25.42% |
| Q3 2025 | 27.06% |
| Q4 2025 | 27.51% |
| Q1 2026 | 26.47% |
| Q2 2026 | 28.17% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 10.42% |
| Q3 2024 | 9.59% |
| Q4 2024 | 7.39% |
| Q1 2025 | 6.17% |
| Q2 2025 | 4.91% |
| Q3 2025 | 6.30% |
| Q4 2025 | 4.88% |
| Q1 2026 | 5.15% |
| Q2 2026 | 5.08% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.67% |
| Q3 2024 | 1.86% |
| Q4 2024 | 2.54% |
| Q1 2025 | 2.82% |
| Q2 2025 | 3.63% |
| Q3 2025 | 3.94% |
| Q4 2025 | 3.91% |
| Q1 2026 | 6.86% |
| Q2 2026 | 6.34% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 73 | $31.0M | 28.17% | 5.08% | 6.34% | 64.2% |
| Q1 2026 | 73 | $31.1M | 26.47% | 5.15% | 6.86% | 60.4% |
| Q4 2025 | 73 | $31.2M | 27.51% | 4.88% | 3.91% | 58.4% |
| Q3 2025 | 71 | $26.3M | 27.06% | 6.30% | 3.94% | 71.7% |
| Q2 2025 | 71 | $26.8M | 25.42% | 4.91% | 3.63% | 70.5% |
| Q1 2025 | 71 | $28.3M | 24.56% | 6.17% | 2.82% | 67.5% |
| Q4 2024 | 70 | $26.5M | 24.19% | 7.39% | 2.54% | 73.6% |
| Q3 2024 | 68 | $27.3M | 22.78% | 9.59% | 1.86% | 69.5% |
| Q2 2024 | 57 | $25.3M | 23.02% | 10.42% | 0.67% | 75.0% |
546 peers · Under $100 million in assets
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Dewey BankBank Dewey, IL | 79 out of 100, Strong | $30.3M | 10.6% | 0.06% | vs |
| First State Bank of St. PeterBank Saint Peter, IL | 83 out of 100, Strong | $30.1M | 18.5% | 1.71% | vs |
| Citizens Bank of EdinburgBank Edinburg, IL | 79 out of 100, Strong | $29.0M | 11.9% | 0.00% | vs |
| Milford Building and Loan AssociationBank Milford, IL | 51 out of 100, Below average | $28.1M | 12.3% | 2.55% | vs |
| The First State Bank of DongolaBank Dongola, IL | 73 out of 100, Strong | $34.7M | 9.8% | 0.26% | vs |
| Campus State BankBank Campus, IL | 87 out of 100, Very strong | $26.2M | 12.3% | 0.00% | vs |
Deposit insurance
Is my money safe at Vermont State Bank?
Yes. Vermont State Bank is an FDIC-insured institution (FDIC certificate #16585). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 5.3% of deposits ($1.1M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 28.17%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 64.61% (benchmark: 10%).
1 location
Branches
Vermont State Bank lists 1 office in 1 city. Most locations:
- Vermont, IL (1)
Identity & history
Profile
- Legal name
- Vermont State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 16585
- RSSD ID
- 187648
- Primary regulator
- FDIC
- Established
- June 9, 1947
- Headquarters
- 106 N Main St, Vermont, IL 61484
- Website
- www.vermontstatebank.com
- Employees
- 18
Quick answers
Vermont State Bank: common questions
Is Vermont State Bank FDIC insured?
Yes. Vermont State Bank is an FDIC-insured institution (FDIC certificate #16585). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Vermont State Bank's TellerScore?
73 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Vermont State Bank ever failed?
There is no failure record for FDIC certificate #16585 in the FDIC failed bank list.
How many branches does Vermont State Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Vermont
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Rushville State BankBank Rushville, IL | 94 out of 100, Very strong | $134.8M | 14.3% | 0.19% | vs |
| State Bank of IndustryBank Industry, IL | 86 out of 100, Very strong | $64.3M | 14.2% | 0.44% | vs |
| Farmers and Merchants State Bank of BushnellBank Bushnell, IL | 83 out of 100, Strong | $86.5M | 10.5% | 0.00% | vs |
| Prairie State Bank and TrustBank Springfield, IL | 80 out of 100, Strong | $840.1M | 12.4% | 0.52% | vs |
| Petefish, Skiles & Co.Bank Virginia, IL | 75 out of 100, Strong | $501.6M | 9.1% | 0.14% | vs |
| The Family Credit UnionCredit union Davenport, IA | 75 out of 100, Strong | $253.3M | 14.0% | 1.10% | vs |