# VERMONT STATE BANK
VERMONT, IL · FDIC certificate 16585 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $31.0M | |
| Deposits | $21.0M | |
| Loans and leases | $14.2M | |
| Total equity | $8.6M | |
| Loans / deposits | 64.25% (p36 of band) | 73.59% |
| Liquid assets / assets | 44.85% (p71 of band) | |
| Uninsured deposits / deposits | 5.32% (p4 of band) | 19.81% |
| Brokered deposits | 0.48% | |
| Wholesale funding | 0.48% (p50 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 28.17% (p94 of band) | 11.76% |
| Unrealized securities loss / equity | -2.92% (p66 of band) | -6.57% |
| AOCI / equity | -0.04% (p68 of band) | |
| ROA (annualized) | 6.34% (p98 of band) | 1.17% |
| Net interest margin | 3.32% (p22 of band) | 3.93% |
| Efficiency ratio | 76.75% (p73 of band) | |
| Noncurrent loans | 5.08% (p97 of band) | 0.36% |
| Net charge-offs (annualized) | 0.03% (p76 of band) | |
| Reserve coverage of noncurrent | 92.22% | |
| Real estate % of loans | 77% | |
| Construction % of loans | 0.28% (p18 of band) | |
| Auto loans | $1.2M (8.44% of loans; DQ 5.69%, NCO -0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 9.5% | |
| Employees | 18 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | reserve under noncurrent, auto book souring |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 | charge-offs p90 | auto book souring |
| 2011-12 | 2 |  |  |
| 2012-03 | 5 | capital falling, losing money, noncurrent p90 |  |
| 2012-06 | 2 | auto book souring | charge-offs p90, capital falling, losing money, noncurrent p90 |
| 2012-09 | 1 |  | auto book souring |
| 2012-12 | 2 | charge-offs p90 |  |
| 2013-03 | 1 | capital falling | reserve under noncurrent, charge-offs p90 |
| 2013-06 | 2 | reserve under noncurrent |  |
| 2013-09 | 0 |  | capital falling, reserve under noncurrent |
| 2013-12 | 1 | charge-offs p90 |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 | capital falling | charge-offs p90 |
| 2014-09 | 2 | reserve under noncurrent |  |
| 2014-12 | 1 |  | reserve under noncurrent |
| 2015-03 | 1 | reserve under noncurrent | capital falling |
| 2015-06 | 1 |  |  |
| 2015-09 | 2 | capital falling, charge-offs p90 | reserve under noncurrent |
| 2015-12 | 2 |  |  |
| 2016-03 | 0 |  | capital falling, charge-offs p90 |
| 2016-06 | 1 | reserve under noncurrent |  |
| 2016-09 | 2 | brokered >10% |  |
| 2016-12 | 2 | capital falling | reserve under noncurrent |
| 2017-03 | 3 | charge-offs p90 |  |
| 2017-06 | 2 |  | capital falling |
| 2017-09 | 3 | wholesale funding >15% |  |
| 2017-12 | 2 |  | wholesale funding >15% |
| 2018-03 | 3 | reserve under noncurrent |  |
| 2018-06 | 3 |  |  |
| 2018-09 | 4 | noncurrent p90 |  |
| 2018-12 | 4 |  |  |
| 2019-03 | 5 | losing money |  |
| 2019-06 | 4 |  | losing money |
| 2019-09 | 3 |  | brokered >10% |
| 2019-12 | 4 | losing money |  |
| 2020-03 | 5 | capital falling, expense ratio p90 | losing money |
| 2020-06 | 5 | losing money | capital falling |
| 2020-09 | 5 |  |  |
| 2020-12 | 5 |  |  |
| 2021-03 | 6 | capital falling |  |
| 2021-06 | 6 |  |  |
| 2021-09 | 6 | assets shrinking | capital falling |
| 2021-12 | 7 | deposits shrinking |  |
| 2022-03 | 7 |  |  |
| 2022-06 | 7 |  |  |
| 2022-09 | 6 |  | assets shrinking |
| 2022-12 | 8 | brokered >10%, wholesale funding >15% |  |
| 2023-03 | 7 | assets shrinking | brokered >10%, wholesale funding >15% |
| 2023-06 | 7 |  |  |
| 2023-09 | 6 |  | assets shrinking |
| 2023-12 | 6 |  |  |
| 2024-03 | 6 | capital falling | charge-offs p90 |
| 2024-06 | 3 | charge-offs p90 | expense ratio p90, losing money, deposits shrinking, capital falling |
| 2024-09 | 3 |  |  |
| 2024-12 | 3 | uninsured deposits leaving | charge-offs p90 |
| 2025-03 | 4 | charge-offs p90 |  |
| 2025-06 | 2 |  | reserve under noncurrent, uninsured deposits leaving |
| 2025-09 | 4 | reserve under noncurrent, deposits shrinking |  |
| 2025-12 | 3 |  | deposits shrinking |
| 2026-03 | 2 |  | charge-offs p90 |
| 2026-06 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-06-06 [Number of US banks with frequent losses increases in Q1 2025 - S&P Global](https://news.google.com/rss/articles/CBMi4AFBVV95cUxNQUt5RUNkc2xUcTRIelVySUtNRmRvVjdnMGhQTUprVHlOV3l1U1g0OERieUNBZ1paZDcxdEw1ODVoVVIxWllFVW5KSmpHYnZSMy1UM2VCSHRWZkJwZmU4TW5kdGVweDNqRGI5REM4Q1pWX0txOVdpV0tYLTE0WDVZczdwN08tOVE5Y2hWRHQ5ZXRGa2VoU1I0YjJwVFZMaEJHcjNiT0VYbGctLUJDb3JzRzkxdWVPRENIZFFNbHJGQzUzSGExUi1pRkMwRC1oNW92dWdXUGhJeC1kdk81RUdCVg?oc=5) · S&amp;P Global
- 2020-06-03 [Basketball to Banker - Canton Daily Ledger](https://news.google.com/rss/articles/CBMikwFBVV95cUxNZ3JVb09hWUZ4MDRzWHpQdlpINjlhNzdWaTE1ZzVHVmRTNGdJZnVKSWxtZDNoZVVOQlQxT0h0NUhJRmhEcGJPdkxvWXIxcXh1MUVIN0E2R3F5Zy04ampRV2UwNDBkbEtValRFTjd4T0tSSXkwYnh6TFJtRVNqWTdfVTh0X2FRRVk0aDJEOGpOaDF2RU0?oc=5) · Canton Daily Ledger
- 2025-12-29 [FDIC Requires SouthPoint Bank to Improve Credit Risk Management - PYMNTS.com](https://news.google.com/rss/articles/CBMisAFBVV95cUxPYV9QTGNKOElETnhVRFNHby0xLW9VeEE1eV9xSVYyQ3RUeThrV1Z2M3BFanluWS1peHdHaGNpZWlOTjdjaVBVOWphaHRHMk1ZVFVYaThDTnBzQU5taDJ5SFBoNlB0N2lHY2VQdVJpUmNwS3FOZnRGV2VlLTlqbGVqa3MzemRUS3RkVnJhSUxpTVdGZXdjbF92QnBFOV9felczbEFUUFNqZzh5cU5mRHMxLQ?oc=5) · PYMNTS.com
- 2015-02-15 [Where Are They Now? Mark Dohner, Bradley basketball - Peoria Journal Star](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNQ3c3NldnejFCSE9zaGpNb3F2cFZlU3B3dFJnUkF4eERYSUVEaUlpM2FtZlJySlBjdkRtajA5MlZqandFdFdKZnlhZWVmTjZMS1JXd24wcnBOOUtDZTJMSWZuVUFjcEw2bWp2dmhBRmNTTDRIMGNsbDN1a1JGajVfR19fZUpmd3NiSENF?oc=5) · Peoria Journal Star

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16585 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/9.json (key "16585", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide