Side-by-side · Q2 2026 data
Vermilion Valley Bank vs Bank of Pontiac
Metric by metric
| Measure | Vermilion Valley Bank | Bank of Pontiac |
|---|---|---|
| TellerScore | 96 (stronger) | 72 |
| Capital cushion | 100 (stronger) | 54 |
| Loan quality | 99 (stronger) | 91 |
| Earnings | 96 (stronger) | 71 |
| Funding & liquidity | 84 (stronger) | 58 |
| Problem-loan coverage | 99 (stronger) | 97 |
| Peer percentile | 99th | 66th |
| Total assets | $198.2M | $1.2B |
| Deposits / shares | $160.1M | $1.0B |
| Capital ratio | 16.70% (stronger) | 10.35% |
| Problem loans | 0.03% (stronger) | 0.27% |
| Net charge-offs | -0.01% (stronger) | 0.30% |
| Return on assets | 1.91% (stronger) | 1.28% |
| Loans ÷ deposits | 71.0% (stronger) | 82.9% |
| Uninsured deposits | 20.2% (stronger) | 32.6% |
| Offices | 4 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | 2.3% |
Vermilion Valley Bank has the higher TellerScore (96 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Vermilion Valley Bank leads on 7 and Bank of Pontiac on 0. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Piper City, IL