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Bank of Bennington, The

Bennington, VT · Cert 30350 · Community Financial MHC

State savings bank · OCC · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

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 (n=573 to 620). 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

68

Q2 2024Q2 2026peer median (50)

Asset Quality

48

Q2 2024Q2 2026peer median (50)

Profitability

33

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

55

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 2026-10-10

Bank of Bennington, The

Bennington, VT · Cert 30350 · Community Financial MHC

State savings bank · OCC · 5 branches

Q2 2026

$661.9MAssets
$513.0MLoans
$494.3MDeposits
$71.2MEquity
Loan mix
96%RE $479.3M3%C&I $17.3M0%Consumer $1.7MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $402.0M19%Noninterest $92.3MQ2 2025Q2 2026

NIM

4.24%Q2 ’244.37%Q2 ’254.63%Q2 ’26+3%+15%

Non-interest income vs. expense

2.33%Q2 ’242.12%Q2 ’252.21%Q2 ’26-11%+14%

Executive Summary

  • Earnings: ROA of 0.86%, up 10 bps year over year; NIM at 2.95%.
  • Asset quality: problem loans at 0.40% of loans (+2 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 11.43%, up 30 bps from a year ago.
  • Funding: loans stand at 103.79% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.86%+10 bps YoY

Net Interest Margin (YTD, annualized)

2.95%+37 bps YoY

Efficiency Ratio (YTD, annualized)

66.64%-239 bps YoY

Tier 1 Leverage Ratio

11.43%+30 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.75%0.77%0.89%0.83%0.86%+10 bps
Return on Equity7.30%7.43%8.55%7.77%7.97%+67 bps
Net Interest Margin2.57%2.60%2.63%2.92%2.95%+37 bps
Efficiency Ratio69.03%68.89%66.52%67.93%66.64%-239 bps
Non-Interest Burden1.62%1.64%1.57%1.88%1.84%+22 bps
Growth
Asset Growth (YoY)10.03%8.69%7.28%6.75%6.51%-352 bps
Loan Growth (YoY)15.15%12.92%8.32%7.44%7.09%-806 bps
Deposit Growth (YoY)7.55%5.90%5.28%3.34%3.52%-403 bps
Asset Quality
Nonperforming Loans / Loans0.37%0.40%0.33%0.27%0.40%+2 bps
Net Charge-Offs / Loans0.01%0.01%-0.04%0.00%0.03%+2 bps
Allowance / Loans1.11%1.09%1.12%1.11%1.07%-4 bps
Allowance Coverage of NPLs3.0x2.7x3.4x4.1x2.7x-0.3x
Capital
Tier 1 Leverage Ratio11.13%11.09%11.19%11.40%11.43%+30 bps
Total Risk-Based Capital20.01%19.95%20.67%20.87%20.02%+1 bps
Equity / Assets10.37%10.40%10.75%10.74%10.75%+39 bps
Liquidity & Funding
Loans / Deposits100.33%100.31%100.72%101.75%103.79%+346 bps
Liquid Assets / Assets2.27%1.54%1.92%2.84%2.66%+39 bps
CRE / Total Capitaln/a141.37%136.99%131.42%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 2026-10-10

Bank of Bennington, The

Bennington, VT · Cert 30350 · Peer group: banks under $1B in assets (n=573-620) · Community Financial MHC

State savings bank · OCC · 5 branches

Q2 2026

$661.9MAssets
$513.0MLoans
$494.3MDeposits
$71.2MEquity

Executive Summary

  • Strongest standing: total risk-based capital ratio outperforms 76% of banks under $1B in assets (rank 150 of 620).
  • Widest gap: net interest margin trails 78% of banks under $1B in assets (rank 481 of 620).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.84%

Rank 386 of 620

Net Interest Margin

2.95%

Rank 481 of 620

Efficiency Ratio

66.64%

Rank 283 of 620

Equity / Assets

10.75%

Rank 297 of 620

Non-interest income vs. expense

$2.4M$14.4MINCOMEEXPENSE
Unfavorable gap of $12.0M · efficiency ratio beats 55% of banks under $1B in assets
Bank 66.64%Peer median 68.1%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.84%0.60%1.00%1.45%Beats 38%386 / 620
Return on Equity7.82%5.30%9.30%13.29%Beats 40%375 / 620
Net Interest Margin2.95%3.02%3.53%4.04%Beats 22%481 / 620
Efficiency Ratio66.64%58.35%68.08%79.37%Beats 55%283 / 620
Asset Quality
Nonperforming Loans / Loans0.40%0.09%0.47%1.27%Beats 54%262 / 573
Net Charge-Offs / Loans0.02%n/a0.01%0.06%Beats 42%331 / 573
Capital
Tier 1 Capital Ratio18.77%11.27%13.87%18.78%Beats 75%156 / 620
Total Risk-Based Capital Ratio20.02%11.69%14.57%19.67%Beats 76%150 / 620
Equity / Assets10.75%9.03%10.60%13.73%Beats 52%297 / 620
Liquidity & Funding
Loans / Deposits103.79%65.08%79.69%92.47%91st pctl54 / 585
Loans / Assets77.51%51.85%67.17%77.86%75th pctl158 / 620
Brokered Deposits / Depositsn/aNot reported for this institution