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
Unfavorable gap of $12.0M · efficiency ratio beats 55% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.84% | 0.60% | 1.00% | 1.45% | Beats 38% | 386 / 620 | |
| Return on Equity | 7.82% | 5.30% | 9.30% | 13.29% | Beats 40% | 375 / 620 | |
| Net Interest Margin | 2.95% | 3.02% | 3.53% | 4.04% | Beats 22% | 481 / 620 | |
| Efficiency Ratio | 66.64% | 58.35% | 68.08% | 79.37% | Beats 55% | 283 / 620 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.40% | 0.09% | 0.47% | 1.27% | Beats 54% | 262 / 573 | |
| Net Charge-Offs / Loans | 0.02% | n/a | 0.01% | 0.06% | Beats 42% | 331 / 573 | |
| Capital |
| Tier 1 Capital Ratio | 18.77% | 11.27% | 13.87% | 18.78% | Beats 75% | 156 / 620 | |
| Total Risk-Based Capital Ratio | 20.02% | 11.69% | 14.57% | 19.67% | Beats 76% | 150 / 620 | |
| Equity / Assets | 10.75% | 9.03% | 10.60% | 13.73% | Beats 52% | 297 / 620 | |
| Liquidity & Funding |
| Loans / Deposits | 103.79% | 65.08% | 79.69% | 92.47% | 91st pctl | 54 / 585 | |
| Loans / Assets | 77.51% | 51.85% | 67.17% | 77.86% | 75th pctl | 158 / 620 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |