Brattleboro, VT · Cert 28837
State charter, Fed member · FED · 4 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.36% | 0.62% | 0.45% | 0.70% | 0.82% | +219 bps | |
| Return on Equity | -13.48% | 6.16% | 4.42% | 6.93% | 8.25% | +2,173 bps | |
| Net Interest Margin | 3.84% | 3.94% | 4.03% | 3.98% | 3.96% | +12 bps | |
| Efficiency Ratio | 82.96% | 82.84% | 88.83% | 81.41% | 77.44% | -553 bps | |
| Non-Interest Burden | 5.78% | 3.18% | 3.52% | 3.16% | 2.97% | -280 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.11% | 1.05% | -0.78% | 2.36% | 6.19% | +830 bps | |
| Loan Growth (YoY) | 3.27% | 2.99% | 4.60% | 7.02% | 7.81% | +454 bps | |
| Deposit Growth (YoY) | -2.48% | 0.61% | -1.51% | 2.23% | 5.66% | +814 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.16% | 0.06% | 0.16% | 0.04% | 0.72% | +57 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | +1 bps | |
| Allowance / Loans | 1.04% | 1.02% | 1.00% | 0.96% | 0.94% | -10 bps | |
| Allowance Coverage of NPLs | 6.7x | 16.4x | 6.3x | 25.8x | 1.3x | -5.4x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.01% | 10.03% | 10.15% | 10.35% | 10.25% | +25 bps | |
| Total Risk-Based Capital | 17.99% | 17.86% | 17.53% | 17.12% | 17.09% | -90 bps | |
| Equity / Assets | 10.14% | 10.04% | 10.17% | 9.90% | 10.09% | -5 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 84.14% | 82.95% | 85.36% | 83.11% | 85.86% | +171 bps | |
| Liquid Assets / Assets | 12.76% | 11.00% | 7.64% | 11.34% | 6.47% | -629 bps | |
| CRE / Total Capital | n/a | 285% | 303% | 313% | n/a | n/a | |