Business Bank, The
South Burlington, VT · Cert 59298 · Peer group: banks under $1B in assets (n=573-620)
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 162 of 573).
- Widest gap: efficiency ratio trails 93% of banks under $1B in assets (rank 577 of 620).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
-0.29%
Rank 577 of 620
Net Interest Margin
2.84%
Rank 509 of 620
Efficiency Ratio
99.39%
Rank 577 of 620
Equity / Assets
11.14%
Rank 268 of 620
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% | 1.00% | 1.45% | Beats 7% | 577 / 620 | | |
| Return on Equity | -2.57% | 5.30% | 9.30% | 13.29% | Beats 7% | 579 / 620 | | |
| Net Interest Margin | 2.84% | 3.02% | 3.53% | 4.04% | Beats 18% | 509 / 620 | | |
| Efficiency Ratio | 99.39% | 58.35% | 68.08% | 79.37% | Beats 7% | 577 / 620 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.09% | 0.09% | 0.47% | 1.27% | Beats 75% | 144 / 573 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 162 / 573 | | |
| Capital |
| Tier 1 Capital Ratio | 14.74% | 11.27% | 13.87% | 18.78% | Beats 57% | 269 / 620 | | |
| Total Risk-Based Capital Ratio | 15.70% | 11.69% | 14.57% | 19.67% | Beats 58% | 260 / 620 | | |
| Equity / Assets | 11.14% | 9.03% | 10.60% | 13.73% | Beats 57% | 268 / 620 | | |
| Liquidity & Funding |
| Loans / Deposits | 76.35% | 65.08% | 79.69% | 92.47% | 44th pctl | 326 / 585 | | |
| Loans / Assets | 67.37% | 51.85% | 67.17% | 77.86% | 50th pctl | 307 / 620 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |