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
Unfavorable gap of $12.0M · efficiency ratio beats 54% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.84% | 0.60% | 1.01% | 1.45% | Beats 36% | 400 / 629 | | |
| Return on Equity | 7.82% | 5.38% | 9.30% | 13.28% | Beats 39% | 384 / 629 | | |
| Net Interest Margin | 2.95% | 3.03% | 3.54% | 4.05% | Beats 22% | 490 / 629 | | |
| Efficiency Ratio | 66.64% | 58.35% | 67.79% | 79.08% | Beats 54% | 292 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.40% | 0.09% | 0.46% | 1.20% | Beats 53% | 273 / 581 | | |
| Net Charge-Offs / Loans | 0.02% | n/a | 0.01% | 0.06% | Beats 44% | 326 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 18.77% | 11.24% | 13.84% | 18.77% | Beats 75% | 158 / 629 | | |
| Total Risk-Based Capital Ratio | 20.02% | 11.58% | 14.43% | 19.66% | Beats 76% | 150 / 629 | | |
| Equity / Assets | 10.75% | 9.09% | 10.65% | 13.80% | Beats 51% | 308 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 103.79% | 67.24% | 80.90% | 93.48% | 91st pctl | 55 / 594 | | |
| Loans / Assets | 77.51% | 53.31% | 67.71% | 78.15% | 73rd pctl | 168 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |