Business Bank, The
South Burlington, VT · Cert 59298 · Peer group: banks under $1B in assets (n=581-629)
State charter, non-member · FDIC · 2 branches
Q2 2026
$352.2MAssets
$237.3MLoans
$310.8MDeposits
$39.2MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 158 of 581).
- Widest gap: efficiency ratio trails 93% of banks under $1B in assets (rank 584 of 629).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
-0.29%
Rank 585 of 629
Net Interest Margin
2.84%
Rank 517 of 629
Efficiency Ratio
99.39%
Rank 584 of 629
Equity / Assets
11.14%
Rank 278 of 629
Non-interest income vs. expense
Unfavorable gap of $9.1M · efficiency ratio beats 7% 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 | -0.29% | 0.60% | 1.01% | 1.45% | Beats 7% | 585 / 629 | | |
| Return on Equity | -2.57% | 5.38% | 9.30% | 13.28% | Beats 7% | 586 / 629 | | |
| Net Interest Margin | 2.84% | 3.03% | 3.54% | 4.05% | Beats 18% | 517 / 629 | | |
| Efficiency Ratio | 99.39% | 58.35% | 67.79% | 79.08% | Beats 7% | 584 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.09% | 0.09% | 0.46% | 1.20% | Beats 75% | 146 / 581 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 14.74% | 11.24% | 13.84% | 18.77% | Beats 57% | 268 / 629 | | |
| Total Risk-Based Capital Ratio | 15.70% | 11.58% | 14.43% | 19.66% | Beats 59% | 259 / 629 | | |
| Equity / Assets | 11.14% | 9.09% | 10.65% | 13.80% | Beats 56% | 278 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 76.35% | 67.24% | 80.90% | 93.48% | 43rd pctl | 341 / 594 | | |
| Loans / Assets | 67.37% | 53.31% | 67.71% | 78.15% | 49th pctl | 323 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |