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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