$13.8M
−7.6%y/y
Percentile by value22nd percentileby value
FDIC
LNLSGRVS
Vermont State Bank
Vermont, IllinoisFDIC Cert #16585
STATEEstablished 19471 branch
Holding company: Not reportedRegulator: FDIC
FDIC
CERT + OFFDOMPortfolio mix & concentration
Loans
The composition, growth, and concentration of the loan book using reported Call Report categories.
As of Q1 2026
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $696K |
| Investor CRE | $821K |
| Multifamily | $0 |
| Construction | $24K |
| 1–4 family | $8.53M |
| C&I | $538K |
| Agriculture | $840K |
| Other | $2.31M |
Loan book
Reported balances and balance-sheet intensity.
$13.1M
−7.5%y/y
Percentile by value21st percentileby value
FDIC
LNLSNET−7.54%
−128.7%y/y
Percentile by value11th percentileby value
FDIC
LNLSNET60.4%
−10.6%y/y
Percentile by value42nd percentileby value
FDIC
LNLSNET + DEP42.1%
−15.8%y/y
Percentile by value35th percentileby value
FDIC
LNLSNET + ASSET79.09%
−1.5%y/y
Percentile by value65th percentileby value
FDIC
LNRE + LNLSGRConcentration
Portfolio concentration relative to loans and risk-based capital.
10%
−35.9%y/y
Percentile by value35th percentileby value
Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC0%
−90.6%y/y
Percentile by value43rd percentileby value
Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRECONS + RBC3,953points
+5.8%y/y
Peer standing24th percentile
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD5.06%
+4.6%y/y
Percentile by value54th percentileby value
FDIC
LNRENROW + LNLSGR5.97%
+5.0%y/y
Percentile by value62nd percentileby value
FDIC
LNRENROT + LNLSGR3.91%
−13.5%y/y
Percentile by value20th percentileby value
FDIC
LNCI + LNLSGR