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
Unfavorable gap of $8.9M · efficiency ratio beats 18% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.75% | 0.72% | 1.06% | 1.45% | Beats 27% | 546 / 746 | | |
| Return on Equity | 7.47% | 6.74% | 10.51% | 13.63% | Beats 30% | 524 / 746 | | |
| Net Interest Margin | 3.91% | 3.17% | 3.68% | 4.16% | Beats 62% | 285 / 746 | | |
| Efficiency Ratio | 79.39% | 55.74% | 64.58% | 75.47% | Beats 18% | 610 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.72% | 0.09% | 0.42% | 1.07% | Beats 36% | 477 / 743 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 75% | 192 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 15.93% | 11.55% | 13.75% | 17.60% | Beats 68% | 242 / 746 | | |
| Total Risk-Based Capital Ratio | 17.09% | 11.71% | 14.33% | 18.43% | Beats 70% | 226 / 746 | | |
| Equity / Assets | 10.09% | 8.90% | 10.51% | 13.06% | Beats 45% | 414 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 85.86% | 61.31% | 78.27% | 90.78% | 66th pctl | 254 / 746 | | |
| Loans / Assets | 75.99% | 53.60% | 66.97% | 76.08% | 75th pctl | 189 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |