Vermont State Bank

Vermont State Bank is a community bank founded in 1947, headquartered in Vermont, Illinois, and serving customers across Vermont and Illinois. It has a stated focus on working families, unbanked and underbanked populations, and low-and-moderate-income neighborhoods — a mission reflected in its FDIC Community Reinvestment Act rating of 'Outstanding,' a designation awarded to fewer than 5% of banks nationally and maintained consistently since 2020. For small businesses, the bank offers a practical range of financing options including lines of credit, term loans, equipment finance, commercial real estate financing, and construction finance. Specific rates, minimums, and eligibility criteria are not publicly disclosed, so prospective borrowers should contact the bank directly. Its community-focused model appears well suited for small businesses in its service area that value a relationship-banking approach, particularly those that may be underserved by larger institutions.