Side-by-side · Q2 2026 data
Vermillion State Bank vs Citizens Independent Bank
Metric by metric
| Measure | Vermillion State Bank | Citizens Independent Bank |
|---|---|---|
| TellerScore | 90 (stronger) | 75 |
| Capital cushion | 84 (stronger) | 73 |
| Loan quality | 92 | 95 (stronger) |
| Earnings | 100 (stronger) | 41 |
| Funding & liquidity | 83 (stronger) | 77 |
| Problem-loan coverage | 97 (stronger) | 93 |
| Peer percentile | 95th | 61st |
| Total assets | $931.4M | $314.2M |
| Deposits / shares | $806.6M | $267.0M |
| Capital ratio | 13.40% (stronger) | 12.31% |
| Problem loans | 0.24% | 0.14% (stronger) |
| Net charge-offs | -0.12% (stronger) | 2.85% |
| Return on assets | 2.56% (stronger) | 0.53% |
| Loans ÷ deposits | 51.7% (stronger) | 77.5% |
| Uninsured deposits | 30.2% | 20.1% (stronger) |
| Offices | 6 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | 0.0% |
Vermillion State Bank has the higher TellerScore (90 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Vermillion State Bank leads on 5 and Citizens Independent Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.