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 (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 | -1.05% | -0.94% | 0.02% | 1.29% | 0.76% | -0.32% | -0.15% | -0.33% | -162 bps | |
| Return on Equity | -7.94% | -7.72% | 0.23% | 13.66% | 8.09% | -3.23% | -1.27% | -2.79% | -1,645 bps | |
| Net Interest Margin | 1.69% | 1.68% | 2.24% | 2.35% | 2.26% | 2.28% | 3.05% | 2.84% | +49 bps | |
| Efficiency Ratio | 142.29% | 132.35% | 95.71% | 97.25% | 97.69% | 110.68% | 99.86% | 99.39% | +214 bps | |
| Non-Interest Burden | 2.42% | 2.23% | 2.14% | 2.27% | 2.19% | 2.53% | 3.05% | 2.82% | +55 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% | 0.01% | 0.01% | -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 | |