South Burlington, VT · Cert 59298
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Burlington-South Burlington, VT · 2026 SOD (annual) · 3.4% share · #8 of 15 inst. · $0.3B of $8.2B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.74% | -0.66% | 0.02% | 2.53% | -0.20% | -3.33% | -0.15% | -0.49% | -302 bps | |
| Return on Equity | -6.71% | -6.73% | 0.23% | 26.22% | -2.08% | -31.80% | -1.27% | -4.24% | -3,047 bps | |
| Net Interest Margin | 1.85% | 2.13% | 2.24% | 2.39% | 2.41% | 2.76% | 3.05% | 2.97% | +58 bps | |
| Efficiency Ratio | 132.94% | 110.90% | 95.71% | 98.74% | 98.49% | 140.75% | 99.86% | 98.97% | +23 bps | |
| Non-Interest Burden | 2.46% | 2.37% | 2.14% | 2.35% | 2.36% | 3.89% | 3.05% | 2.94% | +59 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 92.23% | 64.07% | 61.12% | 24.16% | 19.71% | 10.31% | 4.81% | 29.84% | +568 bps | |
| Loan Growth (YoY) | 109.31% | 77.68% | 68.92% | 51.91% | 42.83% | 35.80% | 44.64% | 57.91% | +600 bps | |
| Deposit Growth (YoY) | 117.64% | 81.60% | 73.53% | 26.73% | 21.28% | 6.59% | 1.20% | 28.08% | +135 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.09% | +9 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.04% | 0.00% | -0.01% | 0.00% | 0 bps | |
| Allowance / Loans | 0.79% | 0.80% | 0.82% | 0.86% | 0.88% | 1.00% | 1.00% | 1.04% | +18 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 11.7x | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.91% | 9.77% | 9.26% | 10.01% | 9.36% | 11.36% | 12.45% | 12.40% | +240 bps | |
| Total Risk-Based Capital | 10.91% | 17.58% | 17.83% | 16.81% | 15.84% | 19.88% | 16.53% | 15.70% | -110 bps | |
| Equity / Assets | 10.40% | 9.08% | 9.11% | 10.18% | 9.25% | 11.80% | 12.21% | 11.14% | +96 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 48.63% | 58.18% | 57.87% | 61.93% | 57.27% | 74.12% | 82.71% | 76.35% | +1,442 bps | |
| Liquid Assets / Assets | 26.77% | 17.71% | 17.20% | 20.23% | 22.66% | 23.42% | 16.15% | 22.29% | +205 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 434% | 408% | 430% | n/a | n/a | |