Vermilion Valley Bank

Piper City, IllinoisFDIC Cert #11667

STATEEstablished 19134 branches

Holding company: PIPER BANKSHARES INCRegulator: FDIC

FDICCERT + OFFDOM

Portfolio 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

Latest reported loan balances by category
Category	Balance
Owner CRE	$968K
Investor CRE	$0
Multifamily	$204K
Construction	$0
1–4 family	$21.2M
C&I	$3.52M
Agriculture	$81.9M
Other	$3.02M

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$111M

+3.1%y/y

Percentile by value48th percentileby value

FDICLNLSGR

Net loans

$110M

+3.2%y/y

Percentile by value48th percentileby value

FDICLNLSNET

Loans YoY

+3.15%

−62.8%y/y

Percentile by value38th percentileby value

FDICLNLSNET

L/D

67.6%

−6.7%y/y

Percentile by value35th percentileby value

FDICLNLSNET + DEP

Loans/assets

56.6%

−5.0%y/y

Percentile by value33rd percentileby value

FDICLNLSNET + ASSET

RE loans %

71.47%

+4.2%y/y

Percentile by value33rd percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

−42.7%y/y

Percentile by value3rd percentileby value

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Percentile by value0th percentileby value

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

3,521points

+3.4%y/y

Peer standing20th percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

0.87%

−21.4%y/y

Percentile by value12th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

0.00%

Percentile by value0th percentileby value

FDICLNRENROT + LNLSGR

C&I %

3.18%

−19.1%y/y

Percentile by value14th percentileby value

FDICLNCI + LNLSGR