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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=581 to 629). 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

67

Q2 2024Q2 2026peer median (50)

Asset Quality

49

Q2 2024Q2 2026peer median (50)

Profitability

32

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

54

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

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 $1.7MQ3 2024Q2 2026
Deposit mix
81%Interest-bearing $402.0M19%Noninterest $92.3MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.62%0.66%0.78%0.75%0.77%0.89%0.83%0.86%+10 bps
Return on Equity6.06%6.44%7.55%7.30%7.43%8.55%7.77%7.97%+67 bps
Net Interest Margin2.51%2.42%2.59%2.57%2.60%2.63%2.92%2.95%+37 bps
Efficiency Ratio75.46%73.59%68.64%69.03%68.89%66.52%67.93%66.64%-239 bps
Non-Interest Burden1.75%1.64%1.59%1.62%1.64%1.57%1.88%1.84%+22 bps
Growth
Asset Growth (YoY)4.54%7.57%8.98%10.03%8.69%7.28%6.75%6.51%-352 bps
Loan Growth (YoY)7.22%13.14%15.01%15.15%12.92%8.32%7.44%7.09%-806 bps
Deposit Growth (YoY)3.28%5.64%6.68%7.55%5.90%5.28%3.34%3.52%-403 bps
Asset Quality
Nonperforming Loans / Loans0.41%0.35%0.34%0.37%0.40%0.33%0.27%0.40%+2 bps
Net Charge-Offs / Loans-0.06%-0.05%0.03%0.01%0.01%-0.04%0.00%0.03%+2 bps
Allowance / Loans1.22%1.16%1.14%1.11%1.09%1.12%1.11%1.07%-4 bps
Allowance Coverage of NPLs3.0x3.3x3.3x3.0x2.7x3.4x4.1x2.7x-0.3x
Capital
Tier 1 Leverage Ratio11.79%11.28%11.36%11.13%11.09%11.19%11.40%11.43%+30 bps
Total Risk-Based Capital20.68%20.21%20.19%20.01%19.95%20.67%20.87%20.02%+1 bps
Equity / Assets10.38%10.24%10.32%10.37%10.40%10.75%10.74%10.75%+39 bps
Liquidity & Funding
Loans / Deposits94.07%97.90%97.87%100.33%100.31%100.72%101.75%103.79%+346 bps
Liquid Assets / Assets3.36%1.62%2.17%2.27%1.54%1.92%2.84%2.66%+39 bps
CRE / Total Capitaln/an/an/an/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 2026-10-11

Bank of Bennington, The

Bennington, VT · Cert 30350 · Peer group: banks under $1B in assets (n=581-629) · 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 629).
  • Widest gap: net interest margin trails 78% of banks under $1B in assets (rank 490 of 629).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.84%

Rank 400 of 629

Net Interest Margin

2.95%

Rank 490 of 629

Efficiency Ratio

66.64%

Rank 292 of 629

Equity / Assets

10.75%

Rank 308 of 629

Non-interest income vs. expense

$2.4M$14.4MINCOMEEXPENSE
Unfavorable gap of $12.0M · efficiency ratio beats 54% of banks under $1B in assets
Bank 66.64%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.84%0.60%1.01%1.45%Beats 36%400 / 629
Return on Equity7.82%5.38%9.30%13.28%Beats 39%384 / 629
Net Interest Margin2.95%3.03%3.54%4.05%Beats 22%490 / 629
Efficiency Ratio66.64%58.35%67.79%79.08%Beats 54%292 / 629
Asset Quality
Nonperforming Loans / Loans0.40%0.09%0.46%1.20%Beats 53%273 / 581
Net Charge-Offs / Loans0.02%n/a0.01%0.06%Beats 44%326 / 581
Capital
Tier 1 Capital Ratio18.77%11.24%13.84%18.77%Beats 75%158 / 629
Total Risk-Based Capital Ratio20.02%11.58%14.43%19.66%Beats 76%150 / 629
Equity / Assets10.75%9.09%10.65%13.80%Beats 51%308 / 629
Liquidity & Funding
Loans / Deposits103.79%67.24%80.90%93.48%91st pctl55 / 594
Loans / Assets77.51%53.31%67.71%78.15%73rd pctl168 / 629
Brokered Deposits / Depositsn/aNot reported for this institution