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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

4.36%Q2 ’244.47%Q2 ’254.72%Q2 ’26+3%+14%

Non-interest income vs. expense

2.31%Q2 ’242.12%Q2 ’252.23%Q2 ’26-5%+7%

Executive Summary

  • Earnings: ROA of 0.88%, up 15 bps year over year; NIM at 3.02%.
  • Asset quality: problem loans at 0.40% of loans (+2 bps YoY), with net charge-offs at 0.06%.
  • 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 (quarter, annualized)

0.88%+15 bps YoY

Net Interest Margin (quarter, annualized)

3.02%+38 bps YoY

Efficiency Ratio (quarter, annualized)

65.43%-399 bps YoY

Tier 1 Leverage Ratio

11.43%+30 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.73%0.80%1.24%0.83%0.88%+15 bps
Return on Equity7.04%7.68%11.75%7.77%8.16%+112 bps
Net Interest Margin2.64%2.75%2.88%2.92%3.02%+38 bps
Efficiency Ratio69.42%68.62%60.67%67.93%65.43%-399 bps
Non-Interest Burden1.71%1.76%1.44%1.88%1.84%+13 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 / Loans0.00%0.00%-0.18%0.00%0.06%+7 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