PackageTrendsPeer
Letter portraitLegal landscape

Brattleboro Savings & Loan Association

Brattleboro, VT · Cert 28837

State charter, Fed member · FED · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

61

Q2 2024Q2 2026peer median (50)

Asset Quality

56

Q2 2024Q2 2026peer median (50)

Profitability

40

Q2 2024Q2 2026peer median (50)

Liquidity

65

Q2 2024Q2 2026peer median

Efficiency

18

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Brattleboro Savings & Loan Association

Brattleboro, VT · Cert 28837

State charter, Fed member · FED · 4 branches

Q2 2026

$296.4MAssets
$225.2MLoans
$262.3MDeposits
$29.9MEquity
Loan mix
96%RE $208.7M3%C&I $7.5M1%Consumer $1.9MQ3 2024Q2 2026
Deposit mix
80%Interest-bearing $209.6M20%Noninterest $52.7MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.76%, up 109 bps year over year; NIM at 3.91%.
  • Asset quality: problem loans at 0.72% of loans (+57 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.25%, up 25 bps from a year ago.
  • Funding: loans stand at 85.86% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.76%+109 bps YoY

Net Interest Margin (YTD, annualized)

3.91%+9 bps YoY

Efficiency Ratio (YTD, annualized)

79.39%-231 bps YoY

Tier 1 Leverage Ratio

10.25%+25 bps YoY

NIM

4.48%Q2 ’244.94%Q2 ’254.97%Q2 ’26+10%+2%

Non-interest income vs. expense

3.53%Q2 ’245.15%Q2 ’253.43%Q2 ’26+60%-30%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.89%0.90%0.70%-0.33%-0.01%0.10%0.70%0.76%+109 bps
Return on Equity9.30%9.33%6.95%-3.24%-0.13%1.01%6.93%7.59%+1,083 bps
Net Interest Margin3.55%3.57%3.74%3.83%3.83%3.88%3.98%3.91%+9 bps
Efficiency Ratio78.56%78.18%80.48%81.70%82.07%83.75%81.41%79.39%-231 bps
Non-Interest Burden2.56%2.57%2.82%4.33%3.91%3.82%3.16%3.02%-131 bps
Growth
Asset Growth (YoY)0.05%0.92%3.06%-2.11%1.05%-0.78%2.36%6.19%+830 bps
Loan Growth (YoY)4.90%3.63%3.58%3.27%2.99%4.60%7.02%7.81%+454 bps
Deposit Growth (YoY)-0.85%0.06%2.13%-2.48%0.61%-1.51%2.23%5.66%+814 bps
Asset Quality
Nonperforming Loans / Loans0.01%0.00%0.00%0.16%0.06%0.16%0.04%0.72%+57 bps
Net Charge-Offs / Loans-0.04%-0.03%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.13%1.09%1.08%1.04%1.02%1.00%0.96%0.94%-10 bps
Allowance Coverage of NPLs76.5xn/an/a6.7x16.4x6.3x25.8x1.3x-5.4x
Capital
Tier 1 Leverage Ratio9.26%9.42%9.57%10.01%10.03%10.15%10.35%10.25%+25 bps
Total Risk-Based Capital17.73%17.85%18.18%17.99%17.86%17.53%17.12%17.09%-90 bps
Equity / Assets9.97%9.98%10.11%10.14%10.04%10.17%9.90%10.09%-5 bps
Liquidity & Funding
Loans / Deposits81.03%80.37%79.39%84.14%82.95%85.36%83.11%85.86%+171 bps
Liquid Assets / Assets12.87%13.86%15.35%12.76%11.00%7.64%11.34%6.47%-629 bps
CRE / Total Capitaln/an/an/an/a285%303%313%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Brattleboro Savings & Loan Association

Brattleboro, VT · Cert 28837 · Peer group: banks under $1B in assets operating in a single state (n=743-746)

State charter, Fed member · FED · 4 branches

Q2 2026

$296.4MAssets
$225.2MLoans
$262.3MDeposits
$29.9MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 75% of banks under $1B in assets operating in a single state (rank 192 of 743).
  • Widest gap: efficiency ratio trails 82% of banks under $1B in assets operating in a single state (rank 610 of 746).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.75%

Rank 546 of 746

Net Interest Margin

3.91%

Rank 285 of 746

Efficiency Ratio

79.39%

Rank 610 of 746

Equity / Assets

10.09%

Rank 414 of 746

Non-interest income vs. expense

$1.2M$10.1MINCOMEEXPENSE
Unfavorable gap of $8.9M · efficiency ratio beats 18% of banks under $1B in assets operating in a single state
Bank 79.39%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.75%0.72%1.06%1.45%Beats 27%546 / 746
Return on Equity7.47%6.74%10.51%13.63%Beats 30%524 / 746
Net Interest Margin3.91%3.17%3.68%4.16%Beats 62%285 / 746
Efficiency Ratio79.39%55.74%64.58%75.47%Beats 18%610 / 746
Asset Quality
Nonperforming Loans / Loans0.72%0.09%0.42%1.07%Beats 36%477 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 75%192 / 743
Capital
Tier 1 Capital Ratio15.93%11.55%13.75%17.60%Beats 68%242 / 746
Total Risk-Based Capital Ratio17.09%11.71%14.33%18.43%Beats 70%226 / 746
Equity / Assets10.09%8.90%10.51%13.06%Beats 45%414 / 746
Liquidity & Funding
Loans / Deposits85.86%61.31%78.27%90.78%66th pctl254 / 746
Loans / Assets75.99%53.60%66.97%76.08%75th pctl189 / 746
Brokered Deposits / Depositsn/aNot reported for this institution