Side-by-side · Q2 2026 data
Vermillion State Bank vs Highland Bank
Metric by metric
| Measure | Vermillion State Bank | Highland Bank |
|---|---|---|
| TellerScore | 90 (stronger) | 34 |
| Capital cushion | 84 (stronger) | 36 |
| Loan quality | 92 (stronger) | 16 |
| Earnings | 100 (stronger) | 22 |
| Funding & liquidity | 83 (stronger) | 60 |
| Problem-loan coverage | 97 (stronger) | 60 |
| Peer percentile | 95th | 1st |
| Total assets | $931.4M | $775.9M |
| Deposits / shares | $806.6M | $684.4M |
| Capital ratio | 13.40% (stronger) | 8.58% |
| Problem loans | 0.24% (stronger) | 2.51% |
| Net charge-offs | -0.12% (stronger) | 0.80% |
| Return on assets | 2.56% (stronger) | 0.04% |
| Loans ÷ deposits | 51.7% (stronger) | 80.2% |
| Uninsured deposits | 30.2% (stronger) | 33.2% |
| Offices | 6 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | 15.5% |
Vermillion State Bank has the higher TellerScore (90 vs 34). On the 7 directional measures above (where higher or lower is clearly better), Vermillion State Bank leads on 7 and Highland Bank on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.