Bennington, VT · Cert 30350 · Community Financial MHC
State savings bank · OCC · 5 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.62% | 0.66% | 0.78% | 0.75% | 0.77% | 0.89% | 0.83% | 0.86% | +10 bps | |
| Return on Equity | 6.06% | 6.44% | 7.55% | 7.30% | 7.43% | 8.55% | 7.77% | 7.97% | +67 bps | |
| Net Interest Margin | 2.51% | 2.42% | 2.59% | 2.57% | 2.60% | 2.63% | 2.92% | 2.95% | +37 bps | |
| Efficiency Ratio | 75.46% | 73.59% | 68.64% | 69.03% | 68.89% | 66.52% | 67.93% | 66.64% | -239 bps | |
| Non-Interest Burden | 1.75% | 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 / Loans | 0.41% | 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 / Loans | 1.22% | 1.16% | 1.14% | 1.11% | 1.09% | 1.12% | 1.11% | 1.07% | -4 bps | |
| Allowance Coverage of NPLs | 3.0x | 3.3x | 3.3x | 3.0x | 2.7x | 3.4x | 4.1x | 2.7x | -0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.79% | 11.28% | 11.36% | 11.13% | 11.09% | 11.19% | 11.40% | 11.43% | +30 bps | |
| Total Risk-Based Capital | 20.68% | 20.21% | 20.19% | 20.01% | 19.95% | 20.67% | 20.87% | 20.02% | +1 bps | |
| Equity / Assets | 10.38% | 10.24% | 10.32% | 10.37% | 10.40% | 10.75% | 10.74% | 10.75% | +39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.07% | 97.90% | 97.87% | 100.33% | 100.31% | 100.72% | 101.75% | 103.79% | +346 bps | |
| Liquid Assets / Assets | 3.36% | 1.62% | 2.17% | 2.27% | 1.54% | 1.92% | 2.84% | 2.66% | +39 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 141.37% | 136.99% | 131.42% | n/a | n/a | |